A LendCity strategy call is not a high-pressure sales pitch. It is a free commercial and investment mortgage consultation designed to give you a clear financing roadmap — so you know whether to apply next, gather more documents, or restructure the deal first.
Who the call is for
This call is built for investors and sponsors who want a practical path to approval, including:
- Investors buying or refinancing rentals, multifamily, or commercial property
- Sponsors exploring CMHC MLI Select/Standard or ACLP construction takeout
- Canadians financing US or Mexico property
- Borrowers comparing bank vs broker options before applying
If you already have a live purchase agreement or refinance target, bring it. If you are still shopping, bring goals and a rough budget — that is enough to start.
Typical 30-minute agenda
Most calls follow the same structure so you leave with decisions, not fluff:
- Your goals, timeline, and property or portfolio context — what you are buying or refinancing, and when you need funds.
- Program fit — DSCR / cash-flow lending, conventional investment, CMHC multifamily, bridge/flip, or cross-border structures.
- Document gaps and pre-approval readiness — what lenders will ask for and what can wait.
- Clear next steps — including whether you need a follow-up for a complex CMHC package or can move straight to apply.
You will not be asked to sign anything on the call. The point is clarity: which lender channel fits, what rate/structure range is realistic, and what blocks approval today.
What to prepare (optional but helpful)
You do not need a perfect file to book. These items speed the conversation:
Understanding your credit profile helps that prep work. Many borrowers benefit from knowing how Beacon scores differ from online credit scores before a strategy call.
- Property address or purchase agreement if you have one
- Rough income, rent roll, or entity ownership notes
- Questions on rates, leverage, or approval timeline
If documents are incomplete, we still map the path — then you gather what matters before underwriting.
What you leave with
You leave with a financing roadmap. Many clients then complete our secure online application; others schedule follow-ups for CMHC or construction packages. Either way, the next action is explicit: apply, fix a document gap, or restructure leverage/down payment.
When you are ready to move from roadmap to submission, start your mortgage application. If you have not booked yet, book your free strategy call and bring your questions — that is the fastest way to get a lender-ready plan.
Frequently Asked Questions
Is the strategy call really free?
Yes. The initial strategy call is free with no obligation. We use it to understand your goals and confirm we are the right fit to help you finance or scale.
Who will I speak with?
You will speak with a mortgage strategist who focuses on investment and commercial files — not a call-centre script reader.
What happens after the 30 minutes?
You get a next-steps plan: pre-approval path, lender shortlist, document checklist, or a recommendation to apply when the file is ready.
What if I already know I want to apply?
You can apply online anytime. The call is most useful when the structure is unclear, the file was declined elsewhere, or you are choosing between CMHC, conventional, and private paths.
Disclaimer: LendCity Mortgages is a licensed mortgage brokerage. Content on this page is for educational purposes only and does not constitute legal, tax, investment, securities, or financial-planning advice. Rates, premiums, program terms, and regulations referenced are as of the page's last updated date and are subject to change. Any investment returns, rental yields, tax savings, or case-study figures shown are illustrative only — they are not guaranteed, not typical, and individual results will vary. Consult a licensed lawyer, Chartered Professional Accountant, or registered dealer before acting on any information above. Editorial standards.
Written by
Scott Dillingham
Published
July 21, 2026
Reading time
3 min read
Mortgage Broker
A licensed professional who shops multiple lenders to find the best mortgage rates and terms for borrowers. Unlike banks, brokers have access to dozens of lending options.
Pre-Approval
A conditional commitment from a lender stating your borrowing capacity, valid for 90-120 days. For investors, getting pre-approved helps you move quickly on deals and shows sellers you're a serious buyer with financing in place.
Underwriting
The process lenders use to evaluate the risk of a mortgage application, including reviewing credit, income, assets, and property value to determine loan approval.
DSCR
Debt Service Coverage Ratio — a metric that compares a property's [net operating income](/glossary/#noi) to its mortgage payments. A DSCR of 1.25 means the property generates 25% more income than needed to cover the debt. Lenders typically require a minimum DSCR of 1.0 to 1.25 for investment property loans (including [DSCR loans](/glossary/#dscr-loan)). See also [Cap Rate](/glossary/#cap-rate) and [Cash Flow](/glossary/#cash-flow).
Commercial Mortgage
Financing for commercial properties like retail, office, or multifamily buildings with 5+ units, with different qualification criteria than residential mortgages.
CMHC MLI Select
A CMHC program offering reduced mortgage insurance premiums and extended amortization (up to 50 years) for multifamily properties with 5+ units that meet energy efficiency or accessibility standards. Popular among investors scaling into larger apartment buildings.
Hover over terms to see definitions. View the full glossary for all terms.