CMHC MLI Select for Canadian multifamily. US cash flow and DSCR financing for investors buying rentals — no US credit, approval path in 5 business days. Mexico investment properties too. Book a strategy call or apply online.
LendCity Mortgages is a cross-border investment property mortgage brokerage serving Canada, the United States, and Mexico. Founded by Scott Dillingham, LendCity arranges DSCR loan Canada loans, CMHC MLI Select financing , commercial mortgage rates Canada , and portfolio financing so investors can book a strategy call and get financed — not primary-residence homebuyers.
Investor-only focus: rental, multi-family, commercial, and development financing
Cross-border expertise for Canadians buying US/Mexico rental properties
50+ lender network including DSCR, CMHC, and private programs
Licensed team of active real estate investors and mortgage professionals
As of July 2026: CMHC MLI Select from 4.25%, US DSCR from 7.0% (no US credit), Canadian rentals from 20% down — see commercial mortgage rates Canada, live CMB yields, and DSCR loan Canada paths to book a strategy call
Finance apartment buildings with up to 95% LTV and 50-year amortization — see how Marcus acquired a 24-unit Edmonton building with 5% down.
No US credit required. Approval path in 5 business days once your file is complete. Published fee card. All 50 states.
Qualify on property income — not personal T4s. Canadian cash-flow mortgages from 1 unit, plus US DSCR loans with no US credit required.
From your first rental to a portfolio of 50+ doors, our lending solutions scale with your ambitions.
Financing for residential investment properties from one to four units. Whether you're buying your first rental or scaling your portfolio, we have solutions tailored for residential investors in Canada, USA, and Mexico.
Specialized financing for multi-family properties with five or more units. Scale your portfolio with competitive rates and terms designed for larger rental properties and apartment buildings.
Construction and development financing for your next project. From land acquisition to vertical construction, we provide the capital you need to bring your development vision to life.
Fast and flexible financing for fix and flip investors. Get the capital you need to purchase, renovate, and sell properties quickly with terms designed for active real estate investors.
Commercial mortgage solutions for office buildings of all sizes. From single-tenant properties to multi-story office complexes, we structure the financing that fits your investment strategy.
Specialized financing for PadSplit and room rental properties. Maximize your cash flow with financing designed for this innovative rental model that provides affordable housing.
Commercial financing for retail properties, including shopping centers, plazas, and standalone retail buildings. Leverage our expertise in commercial property underwriting.
Canadian rentals, from one door to a block.
CMHC MLI, conventional, and private — coast to coast. We put the file with a lender who actually does investment property, not a branch that treats a fourplex like a house.
Financing for CanadaBuy U.S. rentals without a U.S. credit file.
DSCR and foreign-national programs. No SSN required. If the property cash-flows, we can usually get you in front of a lender.
Financing for the U.S.Coastal or inland, through a bank trust.
Fideicomiso structure, specialized lenders, 30–50% down typical. We'll tell you if the deal is financeable before you wire a deposit.
Financing for Mexico
Cross-border, MLI, and portfolio files are run by licensed experts — not a single founder bottleneck.
Scott Dillingham
Award-winning mortgage agent in Canada with 15+ years of active real estate investing. Host of the Wisdom Lifestyle Money Show podcast.
Aya Chukr
Led LendCity's expansion into Mexico and transformed operations with her analytical, evidence-based approach to problem-solving.
Chris Micucci
Leads LendCity's U.S. division. College professor and cross-border investor helping Canadians finance U.S. property.
Josh Bauerle
Licensed U.S. mortgage loan originator and CPA. Best-selling author with a growing rental portfolio across the U.S.
Kirann Sharma
Specializes in creative financing solutions for complex properties. Known for finding solutions when others say no.
Meet the full team →
Published case studies from investors we've financed — MLI Select, cross-border DSCR, and portfolio scaling.
An experienced Ontario investor used CMHC MLI Select affordability points to acquire a 24-unit Edmonton apartment building with just 5% down — preserving capital to buy a second building the same year.
Read storyA Canadian aerospace engineer started with a $22,000 house in Cleveland. Three years later she had paid back her full investment from a single property — and kept building from there.
Read storyA husband-wife development team used bridge financing to convert a vacant Toronto office building into 40 residential units, then refinanced into CMHC permanent debt — extracting $1.15M cash at stabilization.
Read story“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity's Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
“LendCity provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”
The specialized mortgage brokerage built for real estate investors scaling portfolios across North America.
LendCity Mortgages is a specialized mortgage brokerage serving real estate investors across Canada, the United States, and Mexico. Unlike traditional brokers who focus on family homes, our entire business is built around the unique needs of investors — from first-property buyers to seasoned portfolio owners with dozens of doors.
Our team brings decades of combined experience in investment financing, and most of our mortgage agents are active real estate investors themselves. That means when you work with us, you are not explaining your strategy to someone who has never done it — you are partnering with specialists who understand rental income, DSCR qualification, BRRRR, corporate structures, and the cash-flow math that actually matters when you are scaling a portfolio.
We offer the full spectrum of mortgage products for investors: conventional 1-4 unit financing, DSCR loans in both Canada and the United States, CMHC MLI Select for multi-family development, commercial mortgages for 5+ unit buildings, private mortgages for quick closings, cross-border financing for Canadians buying in Florida, Arizona, Michigan, and beyond, and specialized programs for development partnerships and private lending.
Cross-border expertise is a core strength. Every week we help Canadian investors finance U.S. rental properties without showing U.S. income, using DSCR loans and foreign national programs that are not available through retail banks. We also work with American investors looking to deploy capital into Canadian real estate, and we handle the currency, tax, and entity-structure complexity that cross-border deals require.
If you are tired of explaining BRRRR to a bank branch, being declined because you have four mortgages already, or waiting three weeks for a pre-approval — LendCity is built for you. Book a free strategy call with our team and get a real conversation about your next deal, your portfolio goals, and the financing path to get there.
Documents and portfolio summary template to bring to your strategy call — lower friction than applying cold.
If you have cash or registered funds to place, LendCity offers two paths: become the bank with secured private mortgages, or partner on multi-family development equity.
Join the capital pipeline — we'll email when opportunities open.
Answers to common questions about investment property mortgages, DSCR loans, and financing options.
Our team of experts is here to help you find the best financing solutions for your goals.
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