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Showing for investors, article format matching “rental income”, newest first.

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  • Finances & Budgeting
    ONArticle

    How Lenders Count Rental Income: The Mortgage Math Every Canadian Investor Should Know

    Rental income can qualify you for a much bigger mortgage — but only a fraction of it usually counts, and how much depends on the method your lender uses. This guide explains the two ways lenders treat rental income (offset vs add-back), how the debt-service ratios and the stress test actually work, what the 2026 OSFI c

    10 min read
  • Taxes & Deductions
    ONArticle

    CRA Audits of Rental Income: What Triggers Them, and How to Stay Audit-Ready

    Real estate is the CRA's single biggest audit focus, and rental returns get looked at more than most. The good news: rental audits are predictable. They start from a short list of red flags — under-reported income, repeated losses, outsized repairs, mis-split mortgage interest, and over-claimed personal use — and almos

    9 min read
  • Taxes & Deductions
    ONArticle

    The Landlord's Year-End Tax Prep Checklist: Get Ready to File Your Rental Return

    Tax time is painful only when you leave everything to April. This year-end checklist turns filing your rental return into a four-step routine: gather your income and receipts, sort every cost into current vs capital, make the calls that matter (like whether to claim CCA), and file on time. It walks the documents to col

    8 min read