Residential mortgage financing built for Canadian real estate investors — rental properties, portfolio scaling, DSCR qualification, and multi-unit buildings up to four units. Whether you're buying your first rental or expanding an existing portfolio, we structure financing around your investment goals.
Traditional banks don't understand rental property investing. We work with a network of lenders who evaluate rental income, understand DSCR qualification, and know how to structure financing for investors scaling a portfolio.
We maximize the rental income used in qualification — typically 50–80% of gross rents — to improve your borrowing power on each property.
We help investors structure financing to preserve debt capacity across multiple properties and keep buying when traditional banks say stop.
Qualify on property cash flow rather than personal income — ideal for investors with maxed debt ratios or self-employed income challenges.
Specialized programs using stated income, business financials, and alternative documentation for self-employed real estate investors.
Canadians investing in U.S. or Mexican real estate — we structure cross-border financing for investors building international portfolios.
Blanket financing for investors holding multiple residential properties under one loan for simplified management and better terms.
Financing strategies for Canadian investors — from first rental property through multi-unit portfolio scaling.
Financing for single-family rentals, duplexes, triplexes, and fourplexes with cash flow analysis. We maximize rental income used in qualification and structure financing for long-term portfolio growth.
Blanket financing for investors with multiple residential properties. Consolidate your portfolio under one mortgage for simplified management and the ability to keep scaling without hitting individual property limits.
Qualify on rental income rather than personal employment income. Ideal for investors with maxed debt ratios, self-employed income, or those holding too many properties to qualify conventionally.
Lending based on after-renovation value to finance both acquisition and improvements. We specialize in the BRRRR strategy — providing purchase-plus-renovation financing and then refinancing at the improved value to recycle your capital.
Use a Home Equity Line of Credit on your primary residence or existing investment properties to access down payment capital for your next acquisition. A powerful tool for recycling equity across a growing portfolio.
Self-employed real estate investors often struggle qualifying with traditional banks. We have specialized programs using stated income, business financials, and bank statement verification that reflect your actual financial position.
Staged construction-to-permanent financing for building a rental property up to four units. We coordinate draw schedules with your builder and transition to long-term investment financing on completion.
Refinance existing investment properties to pull out equity for your next acquisition, portfolio expansion, or renovations. We analyze whether the numbers work and find the best terms across our lender network.
Pick the stage that matches your file — then follow the links.
First rental through door four — learn, underwrite, get approved.
Past the four-mortgage wall — portfolio structure and the next acquisition.
Canadians buying US cash-flow — DSCR, entities, and state playbooks.
5+ units, CMHC MLI, development takeout, and capital plans.
“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…”
“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…”
“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!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“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…”
“LendCity™ provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”
Everything you need to know about investment property financing solutions.
For a primary residence, First Home Guide covers the full journey. For investment property, book a LendCity™ strategy call.
We use privacy-friendly analytics (no ad tracking). Calculator settings are saved on your device. See our Privacy Policy .
