Montreal's dense urban fabric and strong rental culture make it a top Canadian market for commercial multi-family and mixed-use financing. LendCity™ structures CMHC MLI Select and conventional commercial mortgages for Quebec sponsors — navigating French-language closing requirements and Montreal's unique zoning and heritage constraints.
Greater Montreal combines affordable per-door economics with tight vacancy and strong rent growth. We qualify commercial deals on NOI and DSCR, access CMHC programs for 5+ unit buildings, and shop 50+ lenders for retail, industrial, and mixed-use assets across the island and South Shore.
Commercial mortgages in Montreal are evaluated on Net Operating Income and DSCR — not your personal tax returns. Your property's earning potential determines what you qualify for.
Multi-family apartments, office buildings, retail plazas, industrial warehouses, and mixed-use — we have lender relationships for every commercial property class in Greater Montreal.
Access CMHC MLI Select and standard multi-family insurance programs offering the lowest rates in Canada — sometimes under 4.5%. We handle the entire CMHC application for Montreal sponsors.
Commercial mortgages range from 5% down (CMHC-insured multi-family) to 25-35% for conventional commercial. We find the lowest down payment option for your Montreal deal.
We know Montreal's cap rates, vacancy trends, and lender appetite for walk-up multi-family, mixed-use main-street retail, industrial, and condo-to-rental conversions — so your file gets structured for the cleanest underwriting path.
Our team owns commercial real estate. We understand cap rates, NOI optimization, and value-add strategies in Montreal because we do it ourselves.
Whether you're acquiring an apartment building in Griffintown, refinancing retail in Greater Montreal, or developing mixed-use in Montreal, we connect you with lenders who specialize in your property type.
Apartment buildings and 5+ unit properties. CMHC-insured programs with as little as 5% down, conventional options with competitive rates, and DSCR-based qualification for investors.
Office building financing for single-tenant, multi-tenant, and medical office properties. We work with lenders who understand office market dynamics and tenant quality.
Shopping centres, strip malls, standalone retail, and restaurant properties. Lenders evaluate anchor tenants, lease terms, and foot traffic to determine financing.
Warehouse, distribution, manufacturing, and flex space financing. Industrial properties often have strong DSCR ratios and long-term tenants that lenders love.
Properties combining residential, retail, and office space. Mixed-use requires lenders who understand how to underwrite multiple income streams under one roof.
Ground-up construction and major renovation financing. From land acquisition through completion, we structure deals that get your project built and leased.
“If anyone is looking for a mortgage broker, I highly recommend Chris Micucci! Chris was an invaluable resource to me as a first time US investor. He was super…”
“Scott at Lend City has helped me immeasurably in getting info/ finding a mortgage and advising me thru the steps /his help and advice made all the difference…”
“Lendcity is the best mortgage broker for real estate investors. I was first referred to Scott Dillingham (president) when I had 5 investment properties and was…”
“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“This is a review hard to put into words, mainly because LendCity™ (specifically Kristen and Scott) surpassed expectations to the Nth degree. I'd rate them 10…”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
Everything you need to know about commercial mortgage solutions in montreal.
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