Mortgage Products Guide
Not all mortgages are created equal. Discover the financing products designed specifically for real estate investors and learn how to choose the right one for your strategy.
Borrower product hubs
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Second mortgage financing
Junior charges behind an existing first — first vs second positioning, combined LTV, HELOC and refinance alternatives. No published rate sheet.
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Private mortgage financing
Bridge, first-position, and second-position private mortgages for Canadian borrowers, with exit-focused underwriting.
Product families — not a rates table
We specialize in matching investors with the right mortgage products, whether you need institutional financing, private capital, or specialized commercial loans.
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Residential Mortgages
1–4 unit files qualified on personal income. Ranges live on Residential Rates.
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Commercial Mortgages
5+ unit and income-property underwriting. Tables live on Commercial Mortgage Rates.
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DSCR Loans
Qualify on property cash flow. Canada money page: DSCR loans Canada.
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CMHC MLI Select
Up to 95% LTV on Canadian multifamily. Program hub — not this library.
Articles in this
what to read
Not all mortgages are created equal. Discover the financing products designed specifically for real estate investors and learn how to choose the right one for your strategy.
- A-Lender vs B-Lender vs Private Lender: Which Fits Your Deal? · Guide
Compare A-lenders, B-lenders, and private lenders for investment mortgages. Rates, qualification criteria, and when to use each in Canada.
- MLI Select vs MLI Standard: Which CMHC Program Fits? · Guide
Compare CMHC MLI Select and MLI Standard mortgage insurance. LTV, amortization, premiums, timelines, and which program fits your multifamily investment.
- What Is a DSCR Loan? How It Works for Investors (2026) · Guide
DSCR loans let investors finance rental properties based on property cash flow, not personal income. How they work, qualification requirements, and current.
- Best DSCR Lenders for Real Estate Investors (2026) · Guide
Find and evaluate the best DSCR lenders for investment property. Compare rates, terms, closing speed, and minimum ratio requirements for US and Canadian deals.
- CMHC vs Conventional Commercial Mortgage: Full Comparison · Guide
Compare CMHC-insured and conventional commercial mortgages side by side. Rates, down payments, up to 50-year amortization, timelines, and which saves more.
- A Lender vs B Lender: Best for Your Investment Deal? · Guide
Compare A lenders and B lenders for investment property financing in Canada. Rates, qualification criteria, and when paying a premium makes strategic sense.
- Fixed vs Variable Rate Mortgage for Investors: Canada · Guide
Choose between fixed and variable rate mortgages on investment properties. Compare payment stability, penalties, break-even points, and which saves more in.
- How to Finance Multifamily Properties in Canada (2026) · Guide
Finance 5+ unit multifamily properties in Canada. Compare CMHC insured programs vs conventional bank loans for better rates, terms, and amortization periods.
- Mortgage Broker Versus Bank for Canadian Investors · Guide
Mortgage brokers in Canada shop 30 to 50 lenders. Banks sell one product shelf. Compare rates, fees, and when a bank still wins.
- How Commercial Mortgages Work: DSCR, NOI & More · Guide
Complete guide to commercial mortgages in Canada. DSCR qualification, NOI analysis, property types, lender options, and CMHC programs for investors.
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DSCR Loans
We specialize in matching investors with the right mortgage products, whether you need institutional financing, private capital, or specialized commercial loans.
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Topic guides
Topic libraries (BRRRR, multifamily, commercial). This hub is the product chooser.
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Commercial Mortgages
CMHC and conventional ranges — not a second product library.
“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 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…”
“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…”
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“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 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…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
Mortgage product FAQs
We specialize in matching investors with the right mortgage products, whether you need institutional financing, private capital, or specialized commercial loans.