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LendCity™

Investment mortgage pre-approval

Direct AnswerGet pre-approval-ready for rental, commercial, and portfolio financing. Download the checklist, book a strategy call, or apply when your file is complete.

Licensed under Mortgage Architects (license 12728). Get checklist-ready, then book a call or apply online.

  1. 01

    Confirm the deal type

    Rental DSCR, conventional investment, CMHC MLI, flip/bridge, or cross-border — program drives documents and timelines.

  2. 02

    Complete the readiness checklist

    ID, income/assets or entity financials, property details, and corporate docs. Download our investor pre-approval checklist.

  3. 03

    Book a call or apply

    Complex files: book a free strategy call. Straightforward files with docs ready: apply online.

“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…”

River Schauber

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“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”

Camille Jordaan

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“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”

Kelly RCO

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“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”

val almeida

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“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”

Brandon

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“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”

Rose Laflamme

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“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”

Margaret Z

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“LendCity™ provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”

Savanna Campbell

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FAQQ & A

Pre-approval FAQ

Browse our most frequently asked questions below.

Pre-approval FAQ

Not always. Investor and commercial files weigh property cash flow, DSCR, entity structure, and lender overlays more heavily than a standard owner-occupied retail pre-approval.
Simple rental files can move in a few business days once documents are complete. CMHC and complex commercial files take longer.
Yes when possible. Sellers and agents take investor offers more seriously with a broker letter or soft approval path — especially on competitive multifamily deals.
Government ID, entity documents if buying in a corporation, rent roll or leases, operating statements or T776 where relevant, asset statements, and property details. Download the investor checklist before the strategy call.

Documents & Next Steps

No. Pre-approval is a readiness and sizing path, not a commitment. Final approval still depends on the property, appraisal, rental achievement, and lender / CMHC conditions.
Most investor letters are useful for 60–90 days, then rates, rents, and overlays need a refresh. Rate holds, when available, are shorter than a full residential consumer hold.
The strategy call and checklist are free. Third-party costs (appraisal, environmental, legal) start when you proceed to a full lender submission.

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