Hi there,

Buying a duplex, triplex, or fourplex can be a smart way to build wealth in Ontario. But the financing works very differently than a regular mortgage.

One of the biggest differences is how lenders treat rental income. Some count more of it toward qualification than others, and that gap can seriously affect how much you’re approved for.

In this week's guide, we explain how multi-unit financing works in Ontario, what lenders look for, and why working with a mortgage broker who has access to multiple lenders can make a meaningful difference.

If you're thinking about buying a multi-unit property in 2026, understanding your financing options first could be one of the smartest investments you make.

Want to learn more? Let's chat.

Talk soon,

David

You Don’t Need a New Portfolio — You Need a Clearer Picture.

Most investors aren’t sure how their current investments actually perform — after fees, taxes, and risk.

That’s why I offer the Investment Clarity Call: a quick, no-pressure conversation to help you see what’s working, what’s not, and where small changes could lead to big improvements.

What you’ll get:

• A clear snapshot of your current investment mix
• A plain-English explanation of your fees and risks
• Ideas to make your money work smarter and safer

No jargon. No sales pitch. Just objective insights you can use to make better decisions — whether you invest through me or not.

Because each session is personal, I keep the number of Clarity Calls small each week. When they fill up, new bookings roll to the next week.

[Book Your Investment Clarity Call] — quick, free, and genuinely useful.

P.S.
If you’ve been meaning to “get a second opinion” on your investments but never found the time — this is the easiest way to do it. Fifteen minutes now could save years of frustration later.

Upcoming Bank of Canada Interest Rate Announcements: 

• July 15, 2026

• September 2, 2026

Canada Child Benefit (CCB) Payments:

• July 20, 2026

• August 20, 2026
  

Want to learn more? Lets talk

David Pipe is a Mortgage Broker of TMG - The Mortgage Group, FSRA  #10315

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