Model offset, add-back, or dimming strategies to qualify rental income.
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Estimate how rental income affects qualification and debt ratios.
Use it to model rental offsets and total borrowing power.
Duplex rental
Model owner-occupied plus rental income offsets.
Full rental property
Estimate qualifying income using typical lender offsets.
Investor scenarios usually break on documentation, ratios, or lender fit. Use the guides and broker path below to confirm the file still works after the real constraints show up.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
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No. Offsets vary by lender and property type.
Some lenders use DSCR for investors. Use the DSCR calculator as well.
Some lenders accept market rent appraisals, but not all.