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.
Strategy Call
Discuss your homeownership or investment goals
Custom Solution
We find the right mortgage for your situation
Fast Approval
Get pre-approved in 24-48 hours
What Is LendCity Mortgages?
LendCity Mortgages is a cross-border investment property mortgage brokerage serving Canada, the United States, and Mexico. Founded by Scott Dillingham, LendCity arranges DSCR loans, CMHC MLI Select, fix-and-flip, BRRRR, and portfolio scaling financing for real estate investors — 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
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 ResidentialWhy LendCity?
- Primary Residence Financing
- Investment Property Mortgages
- Vacation Home Financing
- Self-Employed Programs
- First-Time Buyer Support
Free download
Investor pre-approval readiness checklist
Documents and portfolio summary template to bring to your strategy call — lower friction than applying cold.
Ready to Start Your Investment Journey?
Our team of experts is here to help you find the best financing solutions for your goals.
Recent wins
Real deals, real numbers
Published case studies from investors we've financed — MLI Select, cross-border DSCR, and portfolio scaling.
95% LTV
Ontario Investor Scales into Alberta Multifamily
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 story20 Properties
Canadian Engineer Turned US Portfolio Investor
A 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 story$2.6M Equity Created
Office-to-Residential Conversion in Toronto
A 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 storyWhere 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
USA
Investment property financing throughout the United States. Access competitive rates for your American real estate portfolio.
Financing for USA
Mexico
Expand your investment horizons with financing options for Mexican properties. Residential and commercial opportunities.
Financing for Mexico
Trusted by hundreds of real estate investors across Canada
"Scott and LendCity structured CMHC MLI Select on our Edmonton acquisition — 95% LTV with affordability points. We preserved capital and bought a second building the same year."
"They understood portfolio scaling when the banks wouldn't. We went from one duplex to ten properties in 30 months using the right lender sequence — not guesswork."
"Cross-border DSCR was confusing until LendCity walked us through it. As a Canadian buying in Cleveland, we had clear numbers and a lender match before we flew down."
What Our Clients Say
Frequently Asked Questions
Getting Started
Rates and Terms
Property Types
Process and Timing
Still have questions? Talk to an expert.
Contact UsWhy 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.