I have an incredible mortgage broker that works miracles for guys like ourselves. That either don't have 3 years worth of notice of assessment/proof of income or have a sketchy credit history.
He just got us into a $400,000 rental property with 5% down.
If anyone in Canada needs an amazing broker, give me a shout and I will give you his number. He's a cool guy, loves porn and will set you up!
DH