Invest with Purpose

Passive Yield & Impact Calculator

Your capital can do more than just grow. It can provide security for your family while providing housing for those who need it most. Calculate your return on impact today.

Discuss Impact Opportunities Private Mortgage Lending

Target Yield

10-12% annually

First on Title

Legal mortgage in your name

Asset Backed

100% secured by real estate

Tax-Free Growth

RRSP & TFSA eligible

Free Tool

Calculate Your Passive Income

Enter your investment amount below. Results update live — no sign-up required.

LendCity Mortgages

Investment Financing Specialists

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This Passive Yield & Impact Analysis analysis is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.

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Contact Information

Direct Line

+1 (519) 960-0370

Strategy team

team@lendcity.ca

Office Location

4769 Wyandotte St E
Windsor, ON N8Y 1H8

Online

lendcity.ca

LendCity Mortgages is an independent mortgage brokerage. Results generated by the Passive Yield & Impact Analysis are estimates and do not constitute a commitment to lend.

Understanding the Numbers

The Safety of Private Lending

Most high-yield investments come with high risk and zero social benefit. Private lending and development partnerships with LendCity are different.

Tangible Asset

If the market drops, you still own the physical land and building. You aren't chasing digital numbers. Your investment is backed by real property.

Legal Protection

Your investment is registered by a lawyer at the Land Registry office. You have the power of sale — a legal right to recover your capital.

Equity Cushion

We typically lend at 65-75% LTV, meaning there is a 25-35% safety buffer before your capital is at risk.

Social Impact

By providing capital for our development projects, you directly fund the creation of housing units for the homeless and housing-insecure.

Related Opportunities

Private Mortgage Lending

Earn 10-12% secured by real estate

Development Partnerships

Equity participation in multi-family projects

Cash Flow Calculator

Analyze rental property returns

Book a Call with Scott

Want to see our current impact opportunities? Book a free strategy call to discuss how your capital can generate returns while funding housing solutions.

Scott Dillingham

Founder & CEO

Free Strategy Call

Discuss your homeownership or investment goals with Scott. Get personalized advice on your next steps.

15 minutes

Duration

America/Toronto

Timezone

February 2026

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FAQ

Investor Passive Yield FAQ

Common questions about private mortgage investing and development partnerships.

Investment Basics

Private lending is when you act as the bank. You lend your capital (either cash or from a self-directed RRSP/TFSA) to a borrower or developer, secured by a legal charge against real estate. You receive regular interest payments, typically at higher rates than traditional bank investments.

LendCity directs a portion of our development capital and private lending projects toward social impact housing. Your investment provides the 'engine' that allows us to acquire, renovate, and develop housing units specifically designed for affordability and community support.

Security & Tax

Unlike the stock market, private lending is asset-backed. You are 'First on Title,' meaning you have a legal claim to the property. If a project fails, the physical asset remains, and lenders are repaid from the sale or refinancing of that property.

Yes. Most Canadian investors use a 'Self-Directed' RRSP, TFSA, or LIRA to invest in private mortgages. This allows you to earn 10-12% interest tax-free, significantly outperforming traditional GICs or mutual funds.

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