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Portfolio Investor

Direct AnswerA portfolio investor is a lender, often a credit union or private institution, that funds mortgages using their own capital and keeps the loans on their books rather than selling them to insurers like

glossary

A portfolio investor is a lender, often a credit union or private institution, that funds mortgages using their own capital and keeps the loans on their books rather than selling them to insurers like CMHC. For Canadian real estate investors, portfolio lenders are valuable because they often have more flexible qualification criteria and can approve deals that traditional banks following strict insurer guidelines would decline.

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