Blog
Explore practical guides about rental investing, mortgages, welcome tax, and rental property profitability.
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What a mortgage broker does (an AMF-regulated intermediary), the cost (free for you — a 0.5-1.2% commission paid by the lender), broker vs bank, why a rental investor wins and how to choose one.
Updated on August 3, 2026
What the Desjardins mortgage calculator computes (payment, amortization) and what it ignores (stress test, rental income, cash flow, return) — with a worked Quebec 2026 example and a free investor-focused alternative.
Updated on July 31, 2026
The down-payment grid by type (5/10/20%, and 15% of economic value at 5+ units), how rents lift your capacity, what changes at 5 units (DCR), the 2026 programs (CMHC, MLI Select) and how to scale up.
Updated on July 29, 2026
The definition of a mortgage and its two meanings (a right vs. the loan), the grid of types by axis (rate, flexibility, security, insurance, rank), the vocabulary traps, and a worked Quebec 2026 example.
Updated on July 27, 2026
Definition and the 5 ingredients, the GDS/TDS ratios with their caps, the mortgage stress test, a worked Quebec 2026 example step by step, and how a plex's rental income lifts your borrowing capacity.
Updated on July 25, 2026
The two ratios (GDS for housing, TDS for all debts), the 2026 insured and uninsured limits, the step-by-step calculation at the stress-test rate, a plex's effect on your ratios, and what to do if they're too high.
Updated on July 10, 2026
Definition, formula (effective gross income − operating expenses, excluding debt service), a worked Quebec plex example, and the NOI → value → financing chain.
Updated on July 8, 2026
Price-bracket scale, plex rules (5/10/20%), CMHC mortgage insurance, the HBP and FHSA, worked Quebec 2026 examples, and the impact on cash flow.
Updated on July 1, 2026
A HELOC turns your home's equity into flexible cash for investing. We break down how it works, why the interest is tax-deductible for rental investors, and the risks to weigh before you draw on it.
Updated on June 10, 2026
A practical rental investor guide to rate holds, documents, rental income treatment, stress testing, and a stronger lender package.
Updated on May 26, 2026