Real Investor Success Stories
These are real clients who used LendCity™ to finance their portfolios. Real numbers, real results.
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 the full case studyOntario 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 the full case studyOffice-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 the full case studyFirst-Time Multifamily Developer in Victoria
A residential builder transitioned to purpose-built rental development, using ACLP construction financing and MLI Select with a perfect 100-point score to achieve 50-year amortization on a 60-unit project.
Read the full case studyFrom 1 to 10 Properties Using A-to-B Lender Sequencing
A first-time investor scaled from a single duplex to a 10-property portfolio in 30 months by strategically sequencing A-lender and B-lender mortgages to bypass stress test limits.
Read the full case studyToronto Investor Builds US Portfolio with DSCR Loans
A Toronto marketing director used US DSCR loans that qualify on property cash flow to build an 8-property Cleveland portfolio generating 22% cash-on-cash returns — all without US credit or income.
Read the full case studyHeritage Office Repositioning in Toronto's King West
An experienced commercial investor repositioned a partially vacant heritage office building in Toronto's King West corridor, reaching 95% occupancy with creative-industry tenants at premium rents within 14 months.
Read the full case studyFirst-Time Commercial Investor Acquires NNN Retail Plaza
A residential investor transitioned to commercial by acquiring a fully tenanted 6-unit strip mall with NNN leases — generating predictable income with near-zero management burden.
Read the full case studyLogistics Owner Acquires 15,000 SF Distribution Facility
A logistics company owner transitioned from leasing to owning his distribution facility, eliminating rent expense and building equity in a booming GTA industrial market.
Read the full case study$127K Profit on a Hamilton Bungalow Flip
An experienced flipper used a 12-month bridge loan to acquire and renovate a distressed Hamilton bungalow, selling for $127K net profit in 7.5 months — a 68% return on capital.
Read the full case studySelf-Employed IT Consultant Qualifies for Vancouver Fourplex
After three A-lender rejections due to aggressive tax deductions, a self-employed consultant used B-lender stated-income financing to acquire a fourplex in East Vancouver generating $2,100/month.
Read the full case studyCanadian Couple Finances Cabo San Lucas Vacation Condo
A Calgary couple financed a beachfront condo in Cabo through a Mexican bank fideicomiso trust, generating $32,000/year in Airbnb income while enjoying 8 weeks of personal vacation use.
Read the full case studyTripling Cash Flow with PadSplit Room Rentals in Atlanta
A Toronto investor converted a 4-bedroom Atlanta single-family into a PadSplit room-rental, tripling monthly cash flow from $800 to $2,400 — all managed remotely through the platform.
Read the full case studyFirst-Time Developer Builds 32-Unit Apartment in Edmonton
A residential contractor used CMHC ACLP construction financing and MLI Select permanent takeout to build a 32-unit apartment with just $680,000 equity on a $13.6 million project.
Read the full case studyGP/LP Partnership for a 48-Unit Calgary Apartment
An experienced multifamily operator structured a GP/LP partnership for a 48-unit Calgary apartment with 8 limited partners contributing $1.6M in equity, projecting 14.2% annualized returns over a 5-year hold.
Read the full case studyBRRRR Method: 92% Capital Recovery on a London Duplex
An investor bought a neglected duplex for $340K, invested $55K in renovations, and refinanced at $475K — recovering 92% of invested capital while keeping a property generating $1,400/month.
Read the full case studyResidential-Over-Retail in Montreal's Plateau
A financial planner acquired a classic Montreal mixed-use building — 4 apartments above 2 retail units — using blended commercial-residential financing to achieve 12.5% cash-on-cash returns.
Read the full case study8-Bedroom Student Rental Near Queen's University
A Kingston agent converted a Victorian home near Queen's University into an 8-bedroom student rental, generating $6,400/month in room rent with parental co-signers eliminating non-payment risk.
Read the full case studyMLI Select Green Points on a Victoria 20-Unit Seniors Building
An investor used MLI Select energy efficiency and accessibility points to finance a 20-unit seniors housing building at 95% LTV with 40-year amortization, serving adults 55+ with barrier-free housing.
Read the full case study100-Acre Farm with FCC Lending in Prince Edward County
A family financed a 100-acre farm using Farm Credit Canada lending, combining farmhouse rental, cash crop leasing, and a barn event space to create a diversified rural property generating $78K/year.
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