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Over the last few years, fairly weak stock markets (when compared to late 90's) together with continued global economic concern have changed the way lots of Canadians are investing their hard earned dollars.

An increasing number of Canadians are venturing into the rental property marketplace, some swayed by the real estate appreciation that we've observed over the last few years. Other people desire to add real estate to their investment mixture to better diversify their stock portfolios.

Condos and Multi-Units

Additional investment is occurring in multi-unit homes like duplexes, triplexes, and fourplexes, and even single-family detached housing. Canadians are looking to have the rent from these types of investments at the very least cover their expenses and, over the long term, gain a reasonable return of investment.

Consider Your Mortgage and Financing Requirements Carefully

Investors who consider adding real estate assets are generally confused about their mortgage financing options. Given that the Bank Act permits only up to seventy-five percent of the value of a property to be in uninsured financing, lots of investors who put 15 percent down work with an insured mortgage for the difference.

The cost of the insurance premium could be as high as 2 percent, which can result in a $6200 cost on a $225000 mortgage. Nevertheless, not all investors can meet the strict demands that go along with an insured mortgage on rental property.

One more option for those who have a good amount of equity within your principal residence is to take some of that equity out, generally via a line of credit, to obtain a big enough down payment that then might qualify you for a regular first mortgage.

Financing Made Simple

To simplify the process, you could also now think about those lenders who may have mortgage products particularly developed for small investors who own or are buying a residential investment property. Canadian investors can now access up to $500000 without having costly mortgage insurance premiums, or even leveraging the equity in their principal home.

Perhaps now a lot more Canadians can heed the wisdom provided by a lot of financial professionals and diversify, diversify, diversify by adding real estate in their investment portfolios. Then when that's done, the benefits of going public could be considered as well as capital equities.

If this applies to you, search: company go public.

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