Investment Properties
Let's build the future you've always wanted, together.
When it comes to mortgages, success starts with the right strategy and planning. Whether you’re buying your first home, refinancing, or building a long-term investment portfolio, a well-planned mortgage structure can save you thousands of dollars in borrowing costs and years of financial stress.
My name is Sia Ghaem, and I’ve proudly called Vancouver home since 2006. My journey in real estate began in 2007 when I purchased my first investment property — and I’ve been actively involved in the market ever since. With a Bachelor’s degree in Business Management and 16 years of corporate management experience, I bring strategic thinking, analytical skills, and disciplined planning to every mortgage solution I design.
Today, I help clients across Vancouver make confident, well-structured decisions based on a tailored investment properties approach that align with their financial goals. Our core mission is to provide comprehensive strategy and planning for your mortgage journey.
Popular Types of Real Estate Investment Properties
Explore Popular Real Estate Investment Opportunities:
Rental Homes
Single-family rental homes are one of the common investment choices. Investors purchase a residential property and rent it to tenants for steady monthly income and appreciation.
Duplexes & Triplexes
Multi-unit properties like duplexes and triplexes allow investors to earn rental income from multiple tenants within the same property, increasing cash flow and maximizing return on investment.
Condominiums
Condos are often more affordable than detached homes and require less maintenance. They are popular in urban areas and can generate reliable rental income from long-term tenants.
Multi-Unit Residential Buildings
Larger residential buildings and vacation rentals can offer higher income potential, especially in tourist areas with strong demand for short-term stays.
How Real Estate Investment Builds Long-Term Wealth
A smart way to generate income and secure your financial future.
• Passive Income — Rental payments from tenants can provide a steady monthly income stream and help offset mortgage costs. This consistent cash flow can support ongoing expenses and reduce financial pressure. Over time, it also helps investors build equity and strengthen long-term financial security, making real estate a reliable investment.
• Property Appreciation — Real estate values typically increase over time, allowing investors to build equity and grow their net worth. This appreciation can create significant long-term financial gains. Higher property values also provide opportunities for refinancing or future investments. Over time, it helps strengthen overall financial stability and wealth growth.
• Portfolio Diversification — Real estate investments add stability to your financial portfolio by diversifying beyond stocks or traditional investments. This helps reduce overall investment risk. Property assets can provide consistent returns even when other markets fluctuate. It also strengthens long-term financial balance and security.
• Long-Term Wealth Building — As tenants help pay down your mortgage, your ownership equity increases, creating long-term financial security. This growing equity strengthens your overall financial position. It can also be used for refinancing or funding future investment opportunities to expand your real estate portfolio.
Mortgage Requirements for Investment Properties
- Down Payment: Most lenders require a minimum 20% down payment for non-owner-occupied rental properties.
- Rental Income Consideration: Lenders may consider 50–80% of rental income when evaluating your mortgage application, which can help increase borrowing capacity.
- Credit Score & Financial Stability: A strong credit score, stable income, and manageable debt levels improve your chances of mortgage approval.
- Loan Options & Interest Rates: Comparing mortgage types, interest rates, & loan terms can help you choose the best financing option for your goals.