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Mortgage & Financing

Bridge-to-CMHC: The 90-Day Playbook

SScott DillinghamJun 9, 2026· 9 min read

Licensed broker Scott Dillingham's step-by-step playbook for bridge financing into CMHC permanent debt on multi-family conversions — based on a real Toronto office-to-residential case study.

Mortgage & Financing

CMHC MLI Flex: Simplified Mortgage Insurance for Moderate-Income Rental Housing

SScott DillinghamJun 9, 2026· 16 min read

How CMHC's MLI Flex program works — lighter requirements than MLI Select, designed for moderate-income rental housing projects in Canada.

Mortgage & Financing

CMHC Rental Construction Financing Initiative (RCFi): Complete Guide for Developers

SScott DillinghamJun 9, 2026· 13 min read

How CMHC's Rental Construction Financing initiative works — low-cost construction loans for purpose-built rental housing in Canada.

Mortgage & Financing

Insurance Requirements for a Commercial Mortgage in Canada: What Lenders Demand

SScott DillinghamJun 9, 2026· 20 min read

What insurance coverage commercial mortgage lenders require in Canada — property insurance, liability, environmental, title, and loss of rent coverage.

Mortgage & Financing

MLI Select Premium Changes: How We Restructured a 50-Year Amort Deal After July 2025

SScott DillinghamJun 9, 2026· 8 min read

Scott Dillingham explains CMHC MLI Select premium adjustments after July 2025 and how we restructured a 50-year amortization multi-family deal to keep the file alive.

Partnerships & Capital Raising

No-Money Real Estate Investing in Canada: Creative Strategies

LLendCityJun 9, 2026· 7 min read

Build a real estate portfolio with minimal capital using partnerships, seller financing, house hacking, and sweat equity. Canadian investor strategies.

Mortgage & Financing

Recourse vs Non-Recourse Commercial Mortgages in Canada: What Investors Need to Know

SScott DillinghamJun 9, 2026· 15 min read

Understanding recourse and non-recourse commercial mortgage structures in Canada — personal guarantees, carve-outs, and how to protect your assets.

Mortgage & Financing

What I Learned Closing MLI Select Deals in Alberta

SScott DillinghamJun 9, 2026· 9 min read

Licensed broker Scott Dillingham shares lessons from closing CMHC MLI Select deals in Edmonton and Calgary — affordability points, lender appetite, and why Alberta math beats Ontario.

Mortgage & Financing

Lender Policies & Underwriting for Canadian Investors

LLendCityJun 7, 2026· 7 min read

Navigate lender policies and underwriting for investment property financing. Learn portfolio scaling, documentation requirements, and working with underwriters.

Partnerships & Capital Raising

8 Questions to Ask Before Choosing a JV Partner

LLendCityJun 5, 2026· 7 min read

Evaluate joint venture partners with these 8 essential questions. Assess compatibility, values, goals, and trustworthiness before committing capital.

Real Estate Investing 101

5 Proven Strategies to Find Investment Properties in Canada

LLendCityJun 3, 2026· 11 min read

Discover 5 proven strategies for finding investment properties: MLS techniques, networking, auctions, direct marketing, and online platforms that actually work.

Mortgage & Financing

STR Financing in Canada: A-Lenders vs B-Lenders & DSCR

LLendCityJun 1, 2026· 14 min read

How Canadian lenders qualify short-term rental properties. Compare A-lender vs B-lender requirements, DSCR qualification, and documentation needed for Airbnb financing.