Investment Property Mortgages — Lauren Matlo Mortgages
Lauren Matlo
Investment Properties
Investment Properties · Calgary, Alberta

You're not just buying a property. You're building something that lasts.

Investment financing requires a broker who thinks beyond the next purchase. Lauren structures your financing around where your portfolio is going, not just where it is today.

Rental income qualification expertise
Portfolio and multi-unit financing
Strategic structuring that protects your next acquisition
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Tell Lauren about your situation.
Free · Confidential · No obligation. Lauren responds within one business day.
You're thinking ahead. Your financing should too.

Most brokers see one transaction. Lauren sees your whole portfolio.

You've done the analysis. You understand the numbers. You know that real estate is a long game and you're playing it. What you need is a broker who can keep up — someone who understands how your current holdings affect your next acquisition, and who structures each deal with the next one already in mind.

Lauren works with investors who are building portfolios — from the first rental property to multi-unit portfolios to clients who are refinancing across multiple properties simultaneously. She speaks the language, understands the strategy, and knows which lenders have genuine appetite for investment financing.

"I don't just finance your next property. I think about how it affects the one after that."
01
Rental income qualification is complicated.
Different lenders use rental income differently — some use 100% of gross rental income, others use 50% or an add-back offset method. The lender and method chosen can dramatically affect how much you can borrow. Lauren knows the difference and chooses accordingly.
02
Your existing portfolio affects your next purchase.
Every property you own changes your debt service ratios and how lenders assess your next application. Structuring your mortgages strategically — across the right lenders, with the right terms — is the difference between being able to scale and hitting a wall at property three.
03
You need the right terms, not just the lowest rate.
On an investment property, prepayment flexibility, portability, and the ability to refinance later matter as much as the rate. Lauren structures investment mortgages with the full strategy in mind — not just today's numbers.
04
You want a broker who's invested in your long-term success.
Lauren's investor clients come back deal after deal. That's not an accident — it's because she builds relationships with people who are playing a long game, and she's committed to being part of it.
Why Your Mortgage Strategy Matters as Much as Your Acquisition Strategy

How you structure today's mortgage determines whether you can buy the next one.

Investors who don't think strategically about their mortgage structure find themselves locked out of their next acquisition at property two or three. The wrong lender, the wrong debt service calculation, or the wrong mortgage terms can cap your ability to scale long before your equity does.

Lauren looks at each investment property in the context of your full portfolio. Which lender to use and why. How to qualify rental income to maximise your borrowing capacity. How to structure each mortgage so it doesn't block the next one. This is the strategic thinking most brokers don't provide.

"I think about your next three properties, not just this one."
20%
Minimum down payment required on investment properties in Canada. How you structure that down payment — and which lender you use — has significant implications for your next acquisition.
50+
Lenders in Lauren's network — including those who specialise in investment and rental property financing and have genuine appetite for portfolio clients.
$0
Cost to you. Lauren's compensation comes from the lender. Her strategic advice, lender relationships, and file management cost you nothing directly — and the right structure saves you significantly.
The Process

No mystery. Here's exactly what happens when you work with Lauren.

01
You share your full picture.
What you currently own, how it's financed, what you're trying to acquire next, and where you want to be in five years. The more context Lauren has, the better she can structure today's deal for tomorrow's goals.
02
Lauren maps the strategy.
Which lender to use for this property and why. How to qualify the rental income to maximise your borrowing capacity. How this mortgage affects your next acquisition. A plan, not just a product.
03
The right lender is identified and engaged.
Investment financing requires lenders with real appetite for the product. Lauren knows who they are, what they look for, and how to present your file to get the terms that actually work for an investor.
04
You close — and plan the next one.
Property funded. And because Lauren structured this deal with your next acquisition in mind, you're already positioned to move again when the right opportunity comes. That's the point.
Investors Who Think Long-Term.

Portfolio builders who needed a broker who could keep up.

"

Lauren is the only broker I've worked with who thought about my next property before we'd even finished financing this one. That forward-thinking approach has let me scale faster than I thought possible.

Real estate investor, Calgary
"

I'd been with my bank for all three of my properties and didn't realise how much I was leaving on the table. Lauren restructured my portfolio financing and unlocked enough borrowing capacity for my fourth acquisition. I didn't know that was possible.

Portfolio investor, Alberta
"

What I value most about working with Lauren is that she explains the why behind every recommendation. Not just "use this lender" but "use this lender because it keeps your TDS ratio here and leaves room for the duplex you want to buy next year."

Multi-unit investor, Calgary
Your Portfolio Doesn't Wait.

Neither should your financing strategy.

Tell Lauren about your current portfolio, your target acquisition, and where you're trying to be. She'll give you a clear picture of your financing options, how to structure this deal to protect the next one, and which lenders have real appetite for what you're trying to do. No fluff. Just strategy.

Free · Confidential · No obligation

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Takes less than 2 minutes

Lauren Matlo
"We won't give up when it gets hard."
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