New 2026 Lending Rules And AI Underwriting Are Quietly Killing Ontario Real Estate And Small Business Deals Before You Even Sit With A Banker

There is growing anger online about OSFI’s 2026 lending rule changes, with some Canadian investors saying the rules have “crushed the dreams” of building a real estate portfolio. At the same time, lenders are relying less on credit scores alone and more on hard business metrics like cash flow, revenue stability, and clean financial statements, with AI‑driven screens deciding who even gets a serious look. I see strong Ontario operators getting turned down simply because they do not know how to present their deals in the language today’s underwriters and algorithms expect. As a commercial mortgage broker, I help you package your financials, explain your story, and take your file to lenders who still know how to look beyond a cold computer score.

Source: https://www.osfi-bsif.gc.ca/en/risks/real-estate-secured-lending/clarifying-osfis-guidance-rental-income-mortgage-classification

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