Housing investors tend to be older, earn more income and be more indebted https://www.bankofcanada.ca/?p=224546 Loan-to-income ratio (all mortgages) First-time homebuyers Repeat homebuyers Investors 00.000.000.00 100.030.040.01 200.060.080.02 300.120.180.04 400.210.300.07 500.280.410.11 600.380.540.16 700.460.650.21 800.520.770.27 900.600.870.36 1000.710.990.41 1100.761.090.51 1200.871.200.59 1300.971.280.67 1401.031.440.74 1501.131.520.84 1601.231.620.95 1701.331.761.05 1801.411.851.10 1901.521.941.22 2001.622.031.29 2101.732.151.38 2201.832.181.41 2301.922.321.48 2402.062.381.55 2502.162.431.66 2602.222.441.71 2702.332.441.75 2802.412.511.79 2902.432.441.82 3002.542.481.86 3102.602.451.86 3202.642.451.92 3302.652.371.97 3402.722.331.91 3502.702.301.92 3602.712.271.92 3702.752.251.96 3802.712.161.96 3902.672.101.97 4002.682.041.94 4102.601.961.88 4202.581.941.92 4302.521.801.91 4402.461.771.87 4502.351.661.81 4602.251.641.80 4702.141.531.76 4801.991.431.72 4901.801.321.70 5001.621.261.61 5101.371.141.58 5201.221.071.55 5301.100.971.41 5400.990.911.41 5500.870.831.37 5600.770.771.36 5700.690.701.30 5800.610.651.23 5900.540.601.16 6000.480.561.12 6100.430.521.04 6200.360.471.04 6300.330.450.99 6400.280.400.95 6500.260.380.92 6600.250.360.88 6700.230.350.85 6800.200.330.82 6900.190.300.79 7000.170.300.73 7100.160.280.72 7200.160.250.70 7300.150.250.68 7400.130.220.66 7500.130.230.64 7600.120.220.62 7700.120.210.60 7800.110.210.56 7900.100.200.53 8000.100.180.51 8100.090.170.49 8200.090.160.45 8300.090.160.46 8400.090.150.44 8500.080.150.42 8600.080.140.40 8700.080.130.42 8800.080.130.38 8900.070.140.36 9000.070.120.35 9100.070.120.33 9200.060.110.29 9300.060.100.30 9400.060.110.30 9500.060.100.30 9600.050.090.28 9700.050.080.24 9800.050.080.27 9900.050.080.24 10000.050.080.24