The BRRR Strategy
Build wealth through real estate with the proven Buy-Rehab-Rent-Refinance method
Buy
Acquire undervalued properties with flexible down payment options starting at 10%
Rehab
Interest-only payments during renovation to maximize cash flow for improvements
Rent
Generate rental income while property appreciates in value
Refinance
Refinance to long-term financing and pull out equity for next investment
Which solution fits your strategy?
Flip / BRRR
Buy, renovate, rent & refinance—or resell for a profit. Interest-only keeps cash-flow free.
Interim Purchase
Acquire or refinance property you plan to exit within 12 months.
Bridge
Cover the gap between buying your next property and selling the current one.
Multi-Family
Financing for 5+ unit properties—ask us for today's rate sheet.
Current Ontario Rates
Flip / BRRR (Interest-Only)
| Down Payment | Rate* |
|---|---|
| ≥ 30% (min $90k) | NEW 7.99% |
| 25% (min $75k) | 8.99%Limited-Time |
| 20% (min $60k) | 10.49%Limited-Time |
| 15% (min $45k) | 13.49% |
| 10% (min $40k) | 15.49% |
| 5% (min $40k) | 16.49% |
| Min $20k down | 17.49% |
Interim Purchase (≤ 80% LTV)
| LTV Ratio | Rate* |
|---|---|
| < 70% | From 7.99% |
| 71 – 75% | From 8.99% |
| 76 – 80% | From 10.49% |
Bridge (Up to 85% LTV on firm sales)
| LTV Ratio | Rate* |
|---|---|
| < 59% | From 7.99% |
| 60 – 69% | 7.99% – 15.74% |
| 70 – 75% | 9.99% – 16.24% |
| 76 – 80% | 10.99% – 16.24% |
| 81 – 85% | From 12.59% |
Why Choose The Rate Finder?
Lightning-fast approvals
Commitment letters in 1 business day, funds in as little as 72 hours
No appraisal headaches
Properties up to $1.5M valued in-house—free—within 1 day
Truly flexible
Fully-open 6-month terms with zero pre-payment penalties
Common-sense underwriting
We finance properties in every condition and leverage existing equity
Where We Lend in Ontario
Pop 100,000+
25 km radius
Pop 50,000+
10 km radius
Pop 10,000+
Pop Selected rural centres
**Rural: ask us for current eligible areas
*Rates are subject to change without notice and are based on first-position mortgages. Commitment fee of 2.5% applies (min $2,000). Interest-only monthly payments. Maximum loan size $2.5M. Terms & conditions apply. **Rural: ask us for current eligible areas.