Ontario requires a minimum 20% down payment for investment properties, higher than the 5% for owner-occupied homes, with 25-35% for properties of five or more units. Lenders apply stricter debt servicing ratios, stress tests, and credit score requirements for investors. These rules limit investment to buyers with significant capital, influence property type choices, and vary regionally. Foreign buyers face additional restrictions. The framework is expected to remain stringent, shaping market participation and returns.