Secured Lending
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MIC vs Direct Private Mortgage Investing in Canada (2026) .
Compare Mortgage Investment Corporations with direct private mortgage lending. Control, liquidity, diversification, RRSP eligibility, and which path fits capital providers.
A MIC pools capital into a managed mortgage portfolio sold as securities. Direct private mortgage investing puts a legal charge on a specific property in your name (or your RRSP's name). MICs trade diversification and administration for less deal control; direct lending offers control and transparency with more work per loan.
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