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Access The Best Investor Mortgage Financing

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

Experienced Investors

Investor Focused Lender

Not only do we broker mortgages, we're also investors, offering you the expertise you can't get anywhere else. Our deep understanding of the financial landscape allows us to provide tailored solutions that meet your unique needs.

Residential

Financing for one to four unit investment properties. Whether you're buying your first rental or expanding your portfolio, we have solutions tailored for residential investors across Canada, USA, and Mexico.

Learn more about residential financing

What We Offer

  • Primary residence financing
  • Investment property mortgages
  • Vacation home financing
  • Self-employed programs
  • First-time buyer support

Ready to Take Action?

Whether you're buying your first investment property or expanding your portfolio, our team is here to help you secure the best financing options.

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Coverage

Lending Across North America

Access mortgage financing for investment properties in Canada, USA, and Mexico. Our team specializes in cross-border lending solutions.

Canada

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

Canada mortgage financing
Canada mortgage financing

USA

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

USA mortgage financing
USA mortgage financing

Mexico

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

Mexico mortgage financing
Mexico mortgage financing
Client Reviews

What Our Clients Say

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Investor Focused

North America's Investment Property Lender

Our team are investors themselves, giving us unique insight into your needs. We understand the challenges and opportunities of building a real estate portfolio because we've done it ourselves.

Lending Across Seven Property Types

  • Residential (1-4 units)
  • Multi-Family (5+ units)
  • Office Buildings
  • Retail Plazas
  • Development Projects
  • Flips & Renovations
  • PadSplit
View Your Options
Scott Dillingham, Founder and CEO of LendCity
30+ Years combined experience
3 Countries served
15+ Team members
1000+ Investors helped
Why LendCity

What Sets Us Apart

We're investors first, lenders second. That's what makes the difference.

Battle-Tested Expertise

Our team members are active real estate investors who have deployed their own capital. We provide strategies that have been tested in real markets.

Investor-Aligned Lending

We understand your investment goals because we share them. Our financing solutions are designed specifically for real estate investors, not homeowners.

Award-Winning Service

Recognized across the industry for excellence in mortgage lending and client service. We're committed to helping you build wealth through real estate.

FAQ

Questions About Investment Property Financing

Everything you need to know about mortgage financing for investors. Can't find your answer? <a href='/book-strategy-call/' class='text-primary underline'>Book a call</a> with our team.

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 various 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 property financing across all three countries. Our team understands the unique requirements and regulations in each market and can guide you through the process.

Rates & Terms

Rates vary based on property type, loan amount, down payment, and borrower qualifications. Investment property rates are typically 0.25-0.75% higher than primary residence rates. Contact us for current rate quotes tailored to your situation.
We offer flexible terms including fixed and variable rates, amortization periods from 15-30 years, and various loan structures. For commercial properties, we also offer interest-only periods and balloon payments where appropriate.
Yes, we offer Debt Service Coverage Ratio (DSCR) loans that 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 purchase and 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 funding. Our team works with developers on projects ranging from single-family builds to larger multi-unit developments.

Process & Timeline

Timeline 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 time-sensitive deals.
Basic requirements include identification, proof of income, tax returns, bank statements, and property details. Self-employed borrowers may need business financials. 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 about investment property financing?

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