RFA’s Rental Program offers 80% LTV on rental properties, higher than the usual 75% from other alt rental programs. This program is suitable for individuals starting their rental portfolio, allowing up to five titles per applicant without a limit on the number of units. Applicants only need lease agreements to prove income, and owning a primary residence isn’t necessary. Ideal for those new to property investment, it’s less fitting for large portfolio owners or those relying solely on rental income.

Key details

Max Loan to ValueMax Loan to Value (LTV) is the largest loan you can get based on your home's value. For a $500k house, 80% LTV means you can borrow $400k or pay $100k down. 80% of Home Value
Credit ScoreThe minimum credit score required to qualify. If you don't know your score, reach out and we can help. 600 minimum
Max Amortization 35 years
Mortgage Amount $ 100K - $ 4M

Rates and fees

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Disclaimer: This rate table represents the best rates available from this lender. Rates and fees may depend on several factors, such as your Loan to Value, credit history, income, property use, property location, etc. For a precise quote, fill out the form at the bottom of the page for a no-obligation call.

More information

Purchase Refinance Equity Takeout Debt Consolidation Foreclosure Rescue Private Lender Payout Tax Arrears Payout
Property Types
Detached Semi-detached Condo Townhouse Duplex Triplex Fourplex
Rental Program
Prior Bankruptcy Active Consumer Proposal Prior Consumer Proposal Foreign Down Payment Stated Income Quick Funding Self Employed < 2 Years

This section lists what the lender either does accept or they may consider on a case-by-case basis depending on the rest of the application. If it’s case-by-case, we try and include a note in the policy details to help give more specific information. But keep in mind alternative (private and ‘b’) mortgages are situation dependent and some of the above items can’t be combined. If you’re unsure or have a question, please fill out the contact form at the bottom of the page or speak with your mortgage professional.

About the Lender

Founded in 1996, RFA (Realty Financial Advisors) is a Canadian-owned real estate investment firm with substantial involvement in various real estate portfolios. The company entered the residential lending market in 2018 and expanded its presence in 2019 with the acquisition of Street Capital Bank. RFA Bank of Canada, a federally regulated Schedule I Bank, is a key player in RFA's operations, focusing on balance-sheet-based Alternative lending. As part of its strategic vision, RFA aims to offer more than just competitive rates, striving for recognition through a solutions-oriented product suite and excellent client experience in the alternative lending segment.

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The content on this website is for informational purposes only and does not constitute professional advice. Policies, rates, and fees are subject to change without notice at the lender’s discretion. There may be additional costs not mentioned on this page. Cost of financing is depends on the situation, and it is the responsibility of your mortgage professional to disclose that information at the time of application. In the event of a discrepancy between this page and the lender, the lender is assumed to be correct. Before making any financial decisions, please consult with a qualified mortgage professional. By using this website, you accept the above statement and our terms and conditions.