Two Capital Paths — Lending First
Private mortgage investing is the primary path for most capital providers. Development equity is secondary: higher minimums, longer holds, and project execution risk. Both are Canadian housing–focused — match capital to risk, not a website yield.
Private Mortgage Investing
Primary path: lend cash, RRSP, or TFSA as a secured private mortgage with a legal charge registered on the property title.
- Min. From $25,000
- Term 6–24 month terms
- Structure Secured mortgage interest
Development Partnerships
Secondary path: equity partner (LP) in multi-family and social housing. Terms and structure are reviewed on a capital call — not published as projected returns.
- Min. From $100,000
- Term 2–5 year projects
- Structure Equity partnership
Private Lending vs. Development Equity
Use this side-by-side to research fit. Lending is typically shorter and charge-secured; development equity depends on project execution. Neither path publishes a yield here.
| Private Mortgages (primary) | Development (secondary) | |
|---|---|---|
| Minimum investment | $25,000+ | $100,000+ |
| Your role | Lender — mortgage registered in your name | Equity partner — LP in a development |
| Income type | Interest on secured mortgage | Equity distributions (if/when realized per agreement) |
| Typical timeline | 6–24 months | 2–5 years |
| Risk profile | Secured by property; Power of Sale / foreclosure process (recovery not guaranteed) | Tied to project execution and market conditions — not mortgage-secured |
| Best for | Passive income, RRSP/TFSA lending, shorter commitments | Longer wealth building, housing impact, larger capital |
| Registered funds | RRSP and TFSA eligible (self-directed) | Typically non-registered capital |
Guides Before You Commit Capital
Read how private mortgage investing works first, then evaluate development structures. These guides cover process, due diligence, and how Canadians structure capital — not performance claims.
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How to Invest in Private Mortgages
Primary-path research: becoming a private lender in Canada — security, process, and due diligence.
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MIC vs Direct Private Lending
When to choose a Mortgage Investment Corporation versus a mortgage registered in your name.
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RRSP Private Mortgage Investing
Step-by-step: lend RRSP funds as secured private mortgages with tax-deferred growth.
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Real Estate Development Investing
Secondary-path research: stages, GP/LP structures, and how Canadians participate in development deals.
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Evaluate a Development Partnership (LP)
Due diligence checklist for limited partners before committing capital to a project.
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Mortgage Investment Corporations (MICs)
How MICs pool capital for real estate lending — risks and evaluation criteria.
Discuss Terms on a Capital Review
Returns Are Not Published Online
We do not quote projected or realized returns on the website. Book a free capital review with Scott to discuss current private mortgage opportunities (primary) and development partnerships (secondary), structures, and eligibility.
Real Projects, Real Structures
See how LendCity™ structures financing and partnerships on actual Canadian deals — case studies, not a live menu or performance track record.
Join the capital pipeline
Get notified when vetted private mortgage or development partnership opportunities open. We share deal structure, LTV band, term, and property type — not published yield promises.
- Private mortgages from ~$25,000 (cash, RRSP, or TFSA where eligible)
- Development equity partnerships from ~$100,000
- Lawyer's trust funding and mortgage registered in your name on lending deals
Looking for a private mortgage as a borrower?
This hub is for capital providers researching how to deploy capital. If you need bridge, first, or second mortgage financing, go to private mortgage financing — not Apply Online from these invest pages.
Private mortgage financingBook a Capital Review with Scott
Tell us about your capital, timeline, and goals. Scott will walk you through current private mortgage opportunities first, and development projects when equity is the better fit. No published yield.
Scott Dillingham
Founder & CEO
Capital Pipeline Review
Review capital range, private lending vs development, and how lawyer's-trust funding or LP structures work. Thirty minutes with Scott — not a borrower financing call.
30 minutes
Duration
Eastern Time
Timezone
September 2026
Available Times
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Capital Provider FAQ
Common questions from investors researching private mortgage lending (primary) or development partnerships (secondary).