Passive Yield Calculator
Model a private-mortgage scenario: investment amount, interest rate, lender fee, and term. Results are an educational estimate — actual opportunities are reviewed on a call.
LendCity™ Mortgages
Ready to take the next step?
This Passive Yield Calculator is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.
Contact Information
+1 (226) 783-1640
team@lendcity.ca
4769 Wyandotte St E
Windsor, ON N8Y 1H8
lendcity.ca
What drives the estimate
Four sliders. Simple interest. No compounding, no offering, no promised yield — a sketch before a live private-mortgage file.
Capital placed
Annual interest
Lender origination
Months held
Four inputs. Live estimate.
This is a private-mortgage worksheet. You set the rate — the page does not advertise a target yield.
-
Enter capital
Start with the amount you could place in a private mortgage.
-
Set rate and fee
Interest and lender fee are inputs you control for the scenario.
-
Read the estimate
See monthly income, interest, fee, and annualized return — then book if you want live files.
A worksheet, not a term sheet.
Use this to sanity-check a private-mortgage conversation. Security, LTV, and whether a file is available are reviewed separately.
-
Simple interest
Interest earned = amount × rate × (term in months / 12). No compounding in this model.
-
Lender fee
An optional origination fee added to net profit, then annualized with interest over the term.
-
Not an offering
Nothing here is a solicitation or a promised return. Live capital opportunities go through a call and, where required, registered dealers.
Outputs
What the right-hand panel is showing.
-
Monthly income
Simple monthly interest on the amount at the rate you entered. · Amount × rate / 12
-
Interest earned
Total coupon over the term. · Amount × rate × (term / 12)
-
Annualized return
Interest plus fee, scaled to a 12-month rate of return on the amount. · (Interest + fee) / amount × (12 / term) × 100
Example (defaults on this page)
The form opens at $100,000, 10% interest, 2% fee, 12 months so you can see the math immediately. Change every field.
| Interest earned | $10,000 |
|---|---|
| Lender fee | $2,000 |
| Net profit | $12,000 |
| Annualized | 12.00% |
Illustrative only. Defaults are not a LendCity™ product rate.
Passive Yield Calculator FAQ
How this estimate works, and what it does not promise.
How the estimate works
Private mortgage investing
“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…”
“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…”
“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 had a difficult situation for a great investment property, no one in the city could figure it out. Lendcity stepped in and put me on the path to purchase my…”
“Scott and his team at LendCity™ Mortgages have been nothing but helpful and fast at getting me a mortgage loan. They are a knowledgeable group that helped me…”
“Scott and the staff at Lendcity worked hard to provide us investment property financing! When the told us no, we went to Lendcity and received financing at…”