Does the coach replace a strategy call?

No. It picks the first desk and the first calculator so you do not start on the wrong product. The 30-minute strategy call still underwrites the file.

Which calculator will I land on?

MLI files open the CMHC MLI max loan calculator. Cash-flow files open the Canada or US DSCR calculator. Conventional and commercial files open the mortgage payment or commercial mortgage calculator. Mexico files skip the calculator and book the Mexico desk.

Is this the same as the investor quiz?

No. The investor quiz maps your persona (cash-flow buyer, value-add, scaler, capital partner). The decision coach maps the product: MLI vs DSCR vs conventional/private.

Is the coach and the strategy call free?

Yes. The decision coach and the 30-minute initial strategy consultation with LendCity™ are free with no obligation.

What if I already know the path?

Skip the questions and use the three-path list on this page, or go straight to Get Financed for an MLI consult, DSCR qualify, or commercial rate quote.

Investor Tools · Start here4,7/5 (130 avis Google)

MLI, DSCR, or conventional?

Q: What does the decision coach choose between?

Three investor paths: CMHC MLI for 5+ unit Canadian multifamily, DSCR / cash-flow qualification for 1–4 unit Canada or U.S. rentals, and conventional or private for owner-occupied, commercial, construction, and income-qualified 1–4 unit files.

Two or three questions. We route you to CMHC MLI, DSCR / cash flow, or conventional / private — then the matching calculator and a strategy call with that desk.

Réserver un appel stratégique

What does the financing decision coach do?As of September 2026The decision coach routes an investment property into one of three LendCity™ paths: CMHC MLI for 5+ unit Canadian multifamily, DSCR / cash-flow qualification for 1–4 unit Canada or U.S. rentals, and conventional or private for owner-occupied, commercial, construction, and income-qualified files. Each outcome deep-links a calculator and a strategy call with the matching service hash.

Paths: MLI · DSCR · Conventional
Questions: 2–3
Call length: 30 min
Cost: Free

Question 1 of 30%

Where is the property?

The three paths

Skip the questions

Already know the product? Open the calculator or book the matching desk.

CMHC MLI

5+ unit Canadian multifamily. High LTV, points, and amortization — size the loan then book the CMHC desk.

MLI max loan calculator Book CMHC MLI call

DSCR / cash flow

1–4 unit Canada or any U.S. rental that should qualify on rents, not personal T4 income.

Canada DSCR calculator Book DSCR call

Conventional / private

Owner-occupied, commercial, construction, or 1–4 units underwritten on personal income — with private as the backup.

Commercial mortgage calculator Book commercial call

LendCity™ Mortgages

Investment Financing Specialists

Ready to take the next step?

This Decision Coach is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.

Book Strategy Call

Contact Information

Direct Line

+1 (226) 783-1640

Strategy team

scott@lendcity.ca

Office Location

4769 Wyandotte St E
Windsor, ON N8Y 1H8

Online

lendcity.ca

Looking for an investor persona instead of a product path? Take the 5-question investor quiz . Or browse all investor tools and Get Financed.

MLI, DSCR, or conventional?MLI, DSCR, or conventional?