Portfolio Financing Roadmap
Map how many doors you can add with current usable equity — and the cash gap to your target portfolio. Upload a spreadsheet or equity schedule and we will extract what we can.
Roadmap summary
- Total capital needed
- $297,000
- 3
- $99,000
- 1
- $117,000
Estimate capital required to reach your target door count
Planning estimate only. Refinance timelines, JV equity, and DSCR programs can change required capital.
Plan your next acquisition wave with a portfolio specialist.
Book a call — 3 doors, $297,000 neededSave your numbers — we'll email your results and a specialist can review your deal.
LendCity™ Mortgages
Ready to take the next step?
This Portfolio Financing Roadmap 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
scott@lendcity.ca
4769 Wyandotte St E
Windsor, ON N8Y 1H8
lendcity.ca
From equity to fundable deals
Usable equity is cash plus refinance you will actually pull — not paper home-equity gains. 5% down applies only to qualifying 5+ unit MLI Select files.
Cash + refinance
Target property price
Equity per deal
Equity ÷ per-deal equity
Have capital to put to work?
LendCity™ connects capital providers with secured private mortgages and development partnerships — separate from borrowing for your next purchase.
How this roadmap works
This is a capital plan, not a DSCR or CMHC sizer. It answers: with the equity I can actually use, how many more purchases can I close?
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Count today and the target
Properties owned now versus the count you want. The gap is the number of acquisitions to fund.
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Set a typical deal
Average purchase price, down payment percent, and a closing reserve (legal, tax holdback, first-month vacancy).
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Enter usable equity
Only cash and refinance proceeds you can actually pull. Home equity you will not tap does not count.
Not all equity is dry powder
A $400,000 gain on a primary residence is not $400,000 you can wire tomorrow. Lenders cap cash-out, DSCR, and remaining amortization. Count only what a refinance or sale can actually deliver.
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What counts as usable
Cash, HELOC room you will draw, and refinance proceeds after the lender’s LTV, DSCR, and closing costs.
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What this tool does not do
It does not qualify a specific building, size a CMHC loan, or sequence lender A versus lender B.
Capital per deal, fundable count, and the gap
Capital per deal is down payment plus your reserve percent. Fundable deals are a floor-division of usable equity. The gap is capital needed minus equity — never a negative number here.
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Down payment per deal
Average purchase price times your down payment percent. 20% is a common conventional rental start; 5–15% appears on some CMHC MLI Select files. · Avg price × down payment %
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Capital per deal
Down payment plus a reserve (default 10%) for closing costs and lease-up. Raise the reserve if you buy vacant or need work. · Down payment × (1 + reserve %)
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Deals fundable now
How many average purchases your usable equity covers today. Remaining equity that cannot buy a full deal is leftover, not a partial closing. · floor(usable equity / capital per deal)
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Equity gap
What you still need after using current equity. Close it with savings, a partner, a sale, or a refinance — not by assuming a lender will stretch LTV. · max(0, capital needed − usable equity)
Worked example (illustrative)
An investor with two rentals wants five. Average next purchase $450,000 at 20% down with a 10% closing reserve. $180,000 of usable equity. Teaching case only.
| To acquire | 3 properties |
|---|---|
| Down payment each | $90,000 |
| Capital each (with 10% reserve) | $99,000 |
| Total capital needed | $297,000 |
| Fundable now / gap | 1 deal · $117,000 gap |
The leftover equity after one purchase is not enough for a second close. That is the point of the floor-division — do not plan on a partial down payment.
Related tools & guides
next steps
- Deal comparison calculator
Pick the next property
- Canada DSCR calculator
Will the next building carry its debt?
- CMHC MLI max loan
Size 5+ unit refinance proceeds
- Investment property renewal
When a maturing loan can free equity
- Investor journey
How LendCity™ sequences 1–10+ doors
- Book a strategy call
Build the live capital plan
Portfolio financing FAQ
How investors turn existing equity into the next acquisition without treating paper gains as cash.
Portfolio roadmap
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