Latest Articles - Page 21

Expert insights on investment property financing, mortgage strategies, and real estate investing tips.

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Real Estate Investing 101

The Professional's Guide to Winterizing Rental Properties

SScott DillinghamMar 20, 2026· 7 min read

Learn essential winterization steps for rental properties including pipe protection, HVAC maintenance, and vacant property monitoring.

Mortgage & Financing

Commercial Mortgage Prepayment Penalties: IRD, Yield Maintenance & Defeasance

SScott DillinghamMar 17, 2026· 11 min read

Breaking a commercial mortgage in Canada can cost $600K+. Learn how IRD, yield maintenance, and defeasance work — with real numbers and negotiation tips.

Scaling Your Portfolio

From 2 to 12 Properties: How One Investor Scaled in 3 Years

SScott DillinghamMar 17, 2026· 14 min read

A real LendCity client journey from 2 rental properties to a 12-unit portfolio. The financing strategies, obstacles, and exact steps that made it happen.

Mortgage & Financing

Investment Property Mortgage Rates Canada (July 2026)

SScott DillinghamMar 17, 2026· 16 min read

Investment property mortgage rates in Canada: A-lender 4.5–5.5%, CMHC 4.25–5.25%, B-lender 5.5–7%. Compare rental rates and how to get lower pricing.

Mortgage & Financing

Mortgage Declined? Here's Exactly What to Do Next

SScott DillinghamMar 17, 2026· 12 min read

Got declined for a mortgage in Canada? Don't panic. Here's why it happened, what to fix, and how to get approved — sometimes within weeks.

Mortgage & Financing

How to Refinance Your Rental Property to Fund Your Next Investment

SScott DillinghamMar 17, 2026· 14 min read

Use equity in your existing rentals to buy your next investment property. Step-by-step refinance strategy with real numbers and timelines.

Real Estate Investing 101

Divorce and Real Estate: How to Protect Your Investment Properties in Canada

SScott DillinghamMar 16, 2026· 8 min read

Protect your rental portfolio when relationships end. Learn how divorce affects mortgage qualification, JV partners, and property equity in Canada.

Mortgage & Financing

Commercial Bridge Loans Canada: Rates, Terms & Exit Strategies

SScott DillinghamMar 15, 2026· 12 min read

Commercial bridge loans close in days, not months. Learn how Canadian investors use bridge financing to win deals and exit into CMHC at 85% LTV.

Mortgage & Financing

Commercial Mortgage Alberta: Calgary & Edmonton Financing Guide

SScott DillinghamMar 15, 2026· 13 min read

Everything investors need to know about commercial mortgage financing in Alberta — rates, LTV, lenders, oil economy impacts, and regional considerations.

Mortgage & Financing

Commercial Mortgage Approval Timeline Canada: How Long Does It Take?

SScott DillinghamMar 15, 2026· 17 min read

How long commercial mortgage approvals take in Canada by lender type — bank, credit union, CMHC, and private timelines from application to funding.

Mortgage & Financing

Commercial Mortgage British Columbia: Vancouver & BC Financing Guide

SScott DillinghamMar 15, 2026· 11 min read

Complete guide to commercial mortgage financing in BC — Vancouver cap rates, property transfer tax, lender landscape, and BC-specific regulations for investors.

Mortgage & Financing

Commercial Mortgage Ontario: Complete Financing Guide for Investors

SScott DillinghamMar 15, 2026· 11 min read

Everything investors need to know about commercial mortgage financing in Ontario — rates, LTV, lenders, and regulations for GTA and beyond.