Apply for investment financing
Start your investment or commercial mortgage application online. Prefer to talk first? Book a free strategy call — many investors do before submitting.
Strategy Call
Discuss your goals and financing needs
Get Pre-Approved
We match you with the right lender
Close Your Deal
Fast closings with expert support
Licensed under Mortgage Architects (license 12728). $2B+ financed. Investor & commercial specialists.
Who should apply now vs book a call first
Apply online if…
You have a specific property or refinance, documents ready, and a clear program (rental DSCR, conventional investment, flip/bridge, or straightforward commercial).
Book a strategy call first if…
Your deal is CMHC MLI multifamily, ground-up construction/ACLP, cross-border US/Mexico, JV/GP-LP, recent decline, or you are still choosing a structure.
Choose your financing path
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CMHC MLI Select / Standard
5+ unit multifamily insurance — application walkthrough and document readiness.
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DSCR / cash-flow loans
Qualify on property income — common for Canadians buying US rentals and Canadian cash-flow programs.
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Commercial & multi-family
Office, retail, industrial, mixed-use, and apartment buildings.
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Fix-and-flip / bridge
Short-term acquisition and renovation financing.
Documents to have ready
- Government-issued ID
- Proof of income, assets, or corporate financials (program-dependent)
- Purchase agreement, rent roll, or refinance statement
- Corporate / entity docs if holding in a company
- Existing mortgage statements for refinances or portfolio deals
- 1
Prepare your documents
Gather ID, income/assets or entity financials, property details (purchase agreement or rent roll), and corporate documents if you hold property in a company.
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Submit online
Complete the application on our secure Velocity Newton portal. Most investors finish in 15–30 minutes when documents are ready.
- 3
Review & next steps
A LendCity strategist reviews your file, confirms program fit (DSCR, CMHC MLI, conventional rental, US cross-border, flip/bridge, etc.), and outlines lender options.
We specialize in investment property and portfolio financing — not primary-residence-only bank retail. Scaling past four doors, commercial, or cross-border? A strategy call often saves weeks.