How can you have less than a 20% down payment in Ontario, Canada?

[Steven P.]

It looks like the rule is that you can't get a mortgage for less than a 20% down payment for a non-owner-occupied investment property. Is there a way around that? How do you do it?

[Cody L.]

Simply means that a lender isn't going to give you a loan for more than 80% of the price or value of the property (whichever is less)

Doesn't mean that you can't be creative with where the 20% comes from.

If I were a bank I wouldn't want to loan more than 80%. That doesn't mean you need 20