How To Buy Your First Investment Property in BC (2026 Edition)
Building wealth through real estate is a proven path. But the first one is the hardest. Here is the playbook for 2026.
The 20% Down Rule
Unlike your principal residence, an investment property requires a minimum 20% down payment. You cannot use CMHC insurance for rentals. This is the biggest hurdle.
Using Rental Income to Qualify
The good news: Lenders will use 50% (sometimes more) of the projected rental income to help you qualify for the mortgage. This "rental offset" is key to affording the loan.
Frequently Asked Questions
Everything you need to know about this topic. Can't find the answer you're looking for? Reach out to our team.
Condos are easier for beginners (the strata handles exterior maintenance). Houses offer land appreciation but require more work.
No license is needed to own, but if you manage properties for <em>others</em>, you need a license. Managing your own is fine.