Investment Property

Thinking of investing?



Real estate is on the best strategies many investors use for building wealth. However, you need to be aware of what’s involved in this complex art of investing? Our experts at the 6ix mortgage group will guide you through a step by step process in the journey of achieving financial freedom.


Purchasing an investment property is very different than purchasing a property you would be residing in. Are you looking to bank on capital appreciation or are you looking to be cash flow positive? We look at your entire financial portfolio to determine what makes sense.

There is more than one way to finance an investment property.  At the 6ix Mortgage Group, we create a customizes plan based on how long you plan to own the property, your cash flow needs and the amount of capital you are prepared to inject.

Here are some of the more common mortgage solutions for investment properties:

Assigning a conventional mortgage to your investment property is common. Based on your down payment, the income from the property should cover the Principal and Interest payments and provide a contingency fund.


Establishing a home equity line of credit on your principle home to pay for the investment property is also a viable option for some. This is a also a safe strategy if you are investment for a short term.

6ix Mortgage Group offers a unique product for seasoned investors. Your contractual payments are interest only, therefore you end up cash flow positive on your property. This is also a good option for short term flips.

The amount of your down payment is a critical factor in establishing a long-term and reliable return on your investment. Work with your Realtor and your 6ix Mortgage Group expert to determine the most cost-effective down payment amount based on the value of the property and its income potential. More might not always be better.


buying a home and applying for a mortgage process

Required Mortgage Documents Checklist

  • Current employment and amount of income such as:
    • Copy of recent pay slips
    • Evidence of recent pay deposited electronically
    • T1 General and associated Notice of Assessment (NOA)
  • Previous employment (if required)
  • Additional income sources (if any)


  • Savings or investments statement from within the last 90 days
  • Sale of an existing property – a copy of the sale agreement
  • Withdrawal from RRSP through the Home Buyer’s Plan, if applicable
  • Gift Letter
  • A list of current assets and liabilities
  • Bank account and transit number for payments
  • Your CIBC Pre-Approved Mortgage Certificate, if applicable
  • A copy of the real estate listing
  • A copy of the accepted purchase and sale agreement
  • The property’s full address, including legal description and postal code
  • Property tax estimates, condo fees and heating costs, (usually available on the real estate listing)
  • For rural properties, well and septic certificates
  • Lawyer’s name, address, postal code, telephone and fax number