For real estate investors, capital is king. The more you have available, the more opportunities you can pursue. That’s why a low down payment mortgage strategy can help you do more deals, stay flexible, and grow faster — even if the interest rates are higher.
Here’s how a smaller down payment can move you further ahead.
Move Faster and Stay Liquid
Instead of tying up $50K+ in a down payment, you keep that cash available for renovations that increase property value, carrying costs like utilities and property taxes, and your next investment opportunity. We can provide you with the opportunity to access even more capital through our simple approach to blanket other properties you own as additional security. This can help lower your interest rate or free up funds to support your renovation and holding costs.
With just $10K down, you’re not waiting months to save up for the next deal. You can act quickly, especially in a competitive market.
Higher ROI Potential
Even if you’re paying a higher interest rate, your total return* can be stronger because of smart leverage, enabling you to do even more projects and keep your cash working harder.
Use our Flip Analyzer Tool to easily calculate potential ROI on your next deal.
Reduce Risk Through Diversification
Lower down payments let you spread your capital across multiple properties instead of sinking it into just one. More deals = more opportunities to succeed.
Case Study: How Real Estate Investors Win Using Smart Leverage
For many real estate investors, the biggest barrier to growth isn’t interest rates — it’s having too much capital tied up in one project. Large down payments can limit flexibility and make it harder to act on new opportunities.
With only $75,000 in total down payments, this real estate investor acquired over $1.7 million in real estate and earned $155,000 in profit* — all while keeping cash on hand for the next deal.
Over the course of 15 months — with overlapping projects and strategic use of capital — this Calgary-based real estate investor scaled their business and completed three flips. By utilizing our low down payment mortgage options ($10K down on the first two properties, $55K on the third), they kept their capital free to fund renovations and act quickly on new opportunities.
Ready to Flip More, with Less?
Our Flip mortgage starts at just $10K down in Alberta and Ontario and is built for speed and flexibility.
- Fast Closings
Commitment letters within 1 business day, and funding in as little as 1-2 business days once we have all required documents. - Flexible Solutions
We structure mortgages around your strategy, not the other way around. From pre-approvals that let you act fast to blanket mortgages that let you leverage equity across properties, we make it easier to grow your portfolio. - Common Sense Underwriting:
Our entrepreneurial team understands real estate investing and brings a solutions-first mindset to every deal. - Reliability:
Transparent communication and a team you can count on—deal after deal.
For Alberta inquiries, contact Kaelan Nelson.
Email: kaelan@chmic.ca
Cell: 587-585-4571
Office Phone: 403-278-0249
Book a meeting here.
For Ontario inquiries, contact Katarina Jarossy and Dan Werner.
Based in the GTA?
Email: katarina.jarossy@chmic.ca
Cell: 416-799-2553
Office Phone: 1-888-752-4642
Book a meeting here.
Anywhere else in Ontario:
Email: dan.werner@chmic.ca
Cell: 416-316-5336
Office Phone: 1-888-752-4642
Book a meeting here.
TL;DR: Why Low Down Payments Matter for Real Estate Investors
Putting down less money upfront can unlock more deals, keep you liquid, and help you grow your real estate portfolio faster. Even with higher interest rates, low down payments mean your capital stays free for renovations, emergencies, and new opportunities.
Bottom line: less money tied up = more flexibility, more projects, and more potential profit.
With only $75,000 in total down payments, this Calgary-based real estate investor acquired over $1.7 million in real estate and earned $155,000 in profit* from completing 3 flips— all while keeping cash on hand for the next deal.
FAQs
Do you provide renovation funds?
Not directly. We offer flexibility by allowing you to blanket existing properties with equity to access additional capital. This equity can be used to access additional funds for renovations, larger down payments, or potentially lower interest rates. In addition to a down payment, you also need funds for renovations and carrying costs.
Use our Renovation Checklist to ensure you’re budgeting for everything. Here’s a completed example.
Do I have to provide proof of funds?
Yes. You must show proof of funds to cover all expected project expenses.
*Net profits are not guaranteed and will vary depending on the project. Interest rates and fees are determined on a deal-by-deal basis. Rates are subject to change. Contact us for current rates.
