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Investment Property Mortgage Lender — Canada, USA & Mexico

North America's Investment Property Lender. Specializing in residential and commercial mortgage financing across Canada, USA, and Mexico.

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1

Strategy Call

Discuss your homeownership or investment goals

2

Custom Solution

We find the right mortgage for your situation

3

Fast Approval

Get pre-approved in 24-48 hours

For Experienced Investors

Built for Real Estate Investors

From your first rental to a portfolio of 50+ doors, our lending solutions scale with your ambitions.

Residential

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.

Learn more about Residential

Why LendCity?

  • Primary Residence Financing
  • Investment Property Mortgages
  • Vacation Home Financing
  • Self-Employed Programs
  • First-Time Buyer Support

Ready to Start Your Investment Journey?

Our team of experts is here to help you find the best financing solutions for your goals.

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Geographic Coverage

Where We Lend

We help Canadian investors secure financing across North America.

Canada

Residential and commercial mortgage financing across all Canadian provinces. From single-family homes to multi-unit properties.

Financing for Canada
Financing Canada

USA

Investment property financing throughout the United States. Access competitive rates for your American real estate portfolio.

Financing for USA
Financing USA

Mexico

Expand your investment horizons with financing options for Mexican properties. Residential and commercial opportunities.

Financing for Mexico
Financing Mexico
4.9/5 on Google

Trusted by hundreds of real estate investors across Canada

"Scott and the LendCity team made the entire mortgage process seamless. As a first-time investor, I had a lot of questions and they were patient and knowledgeable every step of the way. Highly recommend!"

— Sarah M.

"I've worked with multiple mortgage brokers over the years, but LendCity truly understands investment properties. They structured my financing in a way that maximized my cash flow. Already closing my third deal with them."

— James R.

"The cross-border expertise is what sold me. I was looking to finance a property in the US as a Canadian and most brokers had no idea how to help. LendCity walked me through the entire process and got me approved quickly."

— David K.
Trusted by Investors

What Our Clients Say

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FAQ

Frequently Asked Questions

Answers to common questions about investment property mortgages, DSCR loans, and financing options.

Getting Started

Qualification depends on factors like credit score, income, existing debt, and the property itself. We work with a wide range of lenders to find solutions for diverse situations, including self-employed borrowers and those with non-traditional income sources.
Down payment requirements vary by property type and location. Residential investment properties typically require 20-25% down, while commercial properties may require 25-35%. We have programs that can work with lower down payments in certain situations.
Yes! We specialize in cross-border investment mortgage financing across all three countries. Our team understands the unique requirements and regulations in each market and can guide you through the process.

Rates and Terms

Rates vary based on property type, loan amount, down payment, and borrower qualifications. Investment property rates are typically 0.25% to 0.75% higher than primary residence rates. Contact us for current rate quotes tailored to your situation.
We offer flexible terms including fixed and variable rates, 15 to 30-year amortization periods, and various loan structures. For commercial properties, we also offer interest-only periods and balloon payments where appropriate.
Yes, we provide Debt Service Coverage Ratio (DSCR) loans which qualify based on the property's rental income rather than personal income. This is ideal for investors with multiple properties or self-employed borrowers.

Property Types

We finance residential (1-4 units), multi-family (5+ units), office buildings, retail plazas, development projects, fix-and-flip properties, and PadSplit/co-living properties across North America.
Yes! We offer renovation financing and fix-and-flip loans that include funds for both the purchase and the improvements. Loan amounts can be based on the After Repair Value (ARV) of the property.
Absolutely. We provide construction financing, land acquisition loans, and development funds. Our team works with developers on projects ranging from single-family builds to larger multi-unit developments.

Process and Timing

Timing varies by loan type. Residential investment properties typically close in 30-45 days, commercial properties in 45-60 days, and construction/development loans in 60-90 days. We also offer expedited options for tight-deadline deals.
Basic requirements include identification, proof of income, tax returns, bank statements, and property details. Self-employed borrowers may need business financial statements. Commercial loans require additional property documentation like rent rolls and operating statements.
Simply book a free strategy call with our team. We'll discuss your investment goals, review your situation, and outline the best financing options available to you. There's no obligation and no cost for the consultation.

Still have questions? Talk to an expert.

Contact Us

Why Real Estate Investors Choose LendCity

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.