Investment Properties
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Lez Gomez - Investment Mortgage Expert

Investment Properties
Build Your Portfolio

Build wealth through Ontario real estate with Lez Gomez. Whether you're purchasing your first rental property or expanding a multi-unit portfolio, we provide expert financing solutions from 50+ lenders across Toronto, Mississauga, Hamilton, Ottawa, and every Ontario market.

20%
Min Down Payment
83%
Approval Rate
50+
Lender Options
$10M+
Portfolio Financing
Why Choose Lez Gomez

Benefits of Working With Us

Lez Gomez provides expert mortgage solutions tailored to your unique situation across Ontario.

Portfolio Growth Strategy

Lez Gomez helps Ontario investors structure their financing to maximize portfolio growth. Whether you're buying in Toronto, Mississauga, Hamilton, or emerging markets like Barrie and Kitchener, we optimize each purchase for long-term wealth building.

All Property Types

Condos, houses, duplexes, triplexes, fourplexes, student rentals, and commercial properties. Lez Gomez arranges investment financing for every property type across Ontario communities from Ottawa to Windsor.

Rental Income Qualification

Lez Gomez works with Ontario lenders who use 50-80% of rental income to help you qualify. We maximize your purchasing power by leveraging your existing portfolio income from properties in Brampton, Vaughan, Oakville, and province-wide.

Cash Flow Analysis

Before you buy, Lez Gomez provides detailed cash flow projections including mortgage payments, property taxes, insurance, maintenance, and vacancy estimates for Ontario investment properties in every market.

Tax-Optimized Financing

Investment property mortgage interest is tax-deductible in Ontario. Lez Gomez helps investors structure their financing for maximum tax efficiency, potentially saving thousands annually.

Experienced Investor Support

Already own multiple properties? Lez Gomez navigates the additional qualification hurdles that come with portfolio lending in Ontario. We know which lenders are investor-friendly and how to present multi-property applications.

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How It Works

Your Path to Approval

Lez Gomez makes the mortgage process seamless from application to closing.

01

Investment Strategy

Call Lez Gomez at 416-723-1313. We discuss your investment goals, review your existing portfolio, and identify the best financing strategy for your next Ontario investment property.

02

Pre-Approval & Analysis

Lez Gomez secures your investment mortgage pre-approval and provides cash flow analysis on target properties. Know your numbers before making an offer anywhere in Ontario.

03

Property Financing

When you find the right Ontario property, Lez Gomez moves fast. We submit to the best lenders for investment financing and manage all conditions including appraisal and rental verification.

04

Close & Cash Flow

Close on your investment property and start collecting rent. Lez Gomez remains your financing partner as you grow your Ontario real estate portfolio.

Eligibility

Do You Qualify?

Lez Gomez works with 50+ lenders across Ontario to find solutions even when banks say no. Here are the typical requirements:

Minimum 20% down payment for investment properties in Ontario

Good credit preferred (680+) with B-lender and private options available

Income sufficient to qualify including debt service ratios on all properties

Maximum 4 financed properties for most A-lenders (Lez Gomez has options for 5+)

Rental income from existing properties can be used for qualification

Property must be in Ontario - all markets and communities served

Acceptable property types: residential (1-4 units), some commercial

Both first-time investors and experienced portfolio owners welcome

Ready to Get Started?

Speak with Lez Gomez today for a free consultation and personalized mortgage solution.

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FSRA Licensed
FAQ

Common Questions

How much down payment do I need for an investment property in Ontario?
Investment properties in Ontario require a minimum 20% down payment for A-lender financing. Some B-lenders may accept 15% with mortgage insurance. For multi-unit properties (2-4 units), 20% is standard. Lez Gomez helps investors maximize their purchasing power across Toronto, Mississauga, Hamilton, and all Ontario markets.
Can rental income help me qualify for an investment mortgage?
Yes. Most Ontario lenders use 50-80% of existing or projected rental income to help you qualify. Lez Gomez knows which lenders are most generous with rental income inclusion, maximizing how much you can borrow for investment properties across the province.
How many investment properties can I finance in Ontario?
Most A-lenders cap at 4-5 financed properties. However, Lez Gomez works with B-lenders, credit unions, and private lenders who finance portfolios of 10+ properties across Ontario. We help experienced investors scale beyond traditional lender limits.
Are investment mortgage rates higher in Ontario?
Investment property rates are typically 0.10-0.50% higher than owner-occupied rates. Lez Gomez negotiates aggressively to minimize this premium and may find lenders offering rates comparable to owner-occupied mortgages for qualified Ontario investors.
Does Lez Gomez help with multi-unit investment properties?
Absolutely. Lez Gomez has extensive experience financing duplexes, triplexes, and fourplexes across Ontario. Multi-unit properties offer excellent cash flow potential, and we work with lenders who specialize in multi-unit investment financing from Toronto to Ottawa and everywhere in between.

Lez Gomez: Ontario's Investment Property Mortgage Specialist

Lez Gomez is Ontario's trusted investment property mortgage agent, helping real estate investors build wealth through strategic property financing. With access to 50+ lenders including A-lenders, B-lenders, credit unions, and private financing sources, Lez Gomez provides investment mortgage solutions for every property type and investor profile across the province. From Toronto condo investments and Mississauga rental properties to Hamilton multi-unit buildings, Ottawa income properties, and emerging market opportunities in Barrie, Kitchener-Waterloo, London, and beyond, Lez Gomez delivers competitive rates, expert analysis, and portfolio-growth strategies.

Ontario offers tremendous real estate investment opportunities across diverse markets. Lez Gomez helps investors capitalize on these opportunities with sophisticated financing strategies. Whether you're purchasing your first rental condo in Toronto, a duplex in Brampton, a student rental in Waterloo, a multi-unit building in Hamilton, or investment properties in Vaughan, Markham, Richmond Hill, Oakville, Burlington, Milton, Barrie, Guelph, Cambridge, London, Kingston, Peterborough, St. Catharines, Niagara Falls, Ottawa, or any Ontario community, Lez Gomez has the expertise and lender access to make it happen. We provide detailed cash flow analysis, portfolio optimization advice, and financing strategies that maximize your return on investment. Call Lez Gomez at 416-723-1313 for your free investment property consultation.

Lez Gomez Serves All of Ontario

As a licensed Ontario mortgage agent, Lez Gomez provides investment properties services across every city and town in the province:

Greater Toronto Area

TorontoMississaugaBramptonMarkhamVaughanRichmond HillOakvilleBurlingtonMiltonAjaxPickeringWhitbyOshawaNewmarketAuroraKing CityStouffvilleWoodbridgeThornhillEtobicokeScarboroughNorth YorkEast YorkYork

Hamilton, Niagara & Southwestern Ontario

HamiltonSt. CatharinesNiagara FallsWellandFort ErieGrimsbyLincolnPelhamThoroldPort ColborneNiagara-on-the-LakeBrantfordWoodstockStratfordGuelphKitchenerWaterlooCambridgeLondonWindsorChatham-KentSarniaLeamingtonTillsonburgSimcoeNorfolk CountyHaldimand County

Eastern Ontario

OttawaKingstonBellevilleCornwallBrockvillePeterboroughCobourgPort HopeTrentonNapaneeSmiths FallsPrescottHawkesburyRocklandCasselmanEmbrunKemptvilleCarleton Place

Central & Northern Ontario

BarrieOrilliaCollingwoodMidlandWasaga BeachInnisfilAllistonBradfordOrangevilleShelburneCaledonBoltonSudburyThunder BaySault Ste. MarieNorth BayTimminsHuntsvilleGravenhurstBracebridgeParry SoundMuskokaOwen SoundMeafordBlue MountainsKincardinePort Elgin

All Other Ontario Communities

Kawartha LakesLindsayBowmanvilleCourticeClaringtonScugogUxbridgeBrockGeorginaEast GwillimburyHalton HillsGeorgetownActonDundasAncasterStoney CreekFlamboroughCaledoniaDunnvilleCayugaFergusEloraMount ForestListowelHanoverWinghamGoderichExeterSt. ThomasAylmerIngersollParisAyrNew HamburgBadenElmiraSt. JacobsWellesleyTavistockMilvertonPetroliaForestGrand BendBayfieldSeaforthMitchellClintonWiartonTobermorySouthamptonSauble BeachPenetanguisheneTinyTaySevernOro-MedonteRamaraEssaAdjala-TosorontioClearviewSpringwaterNew TecumsethMonoAmaranthEast GarafraxaMelancthonMulmurPetawawaPembrokeArnpriorRenfrewDeep RiverKenoraDrydenSioux LookoutFort FrancesAtikokanKapuskasingHearstCochraneIroquois FallsKirkland LakeTemiskaming ShoresEnglehartMattawaSturgeon FallsWest NipissingEspanolaBlind RiverElliot LakeThessalonIron BridgeWawaWhite RiverMarathonTerrace BayNipigonRed RockGeraldtonLonglacHornepayneSmooth Rock FallsMoosonee

Ready to Secure Your Mortgage?

Lez Gomez is ready to help you find the perfect mortgage solution. Get a free consultation today.

Lez Gomez Mortgage

Ontario's trusted mortgage broker with 15+ years of experience. Personalized solutions, not cookie cutter approaches.

105 Consumers Dr, Whitby, ON L1N 1C4

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Brokerage Licence #12699

FSRA Licensed | Ontario

Serving All Ontario Cities Including:

Toronto • Mississauga • Brampton • Hamilton • Ottawa • Vaughan • Markham • Oakville • Burlington • Oshawa • Whitby • Ajax • Pickering • London • Kitchener and all surrounding communities across the GTA, Durham Region, York Region, Peel Region, Halton Region, and beyond.

© 2026 Lez Gomez Mortgages. All rights reserved.

Mortgage services provided through licensed brokerage. Rates and terms subject to change. Not all applicants will qualify.

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