Expert multifamily mortgage broker helping investors unlock better financing, lower downpayments, and higher ROI with Canada Mortgage and Housing Corporation (CMHC) advantages.
Not just another mortgage broker. A specialized partner in your multifamily investment journey.
Exclusive focus on multifamily financing. No distractions, just deep expertise in what matters for your portfolio growth.
Direct relationships with lenders means real-time knowledge of policy changes and opportunities before they hit the market.
Pre-qualify your deals with confidence. Our in-house underwriting catches issues early and positions you for success.
No games, no surprises. Fast turnarounds, transparent communication, and solutions for complex financing scenarios.
From first-time multifamily investors to seasoned portfolio builders.
The most common obstacles investors face — and how I eliminate them.
Beyond just finding you a mortgage. I optimize your entire financing strategy for maximum returns.
Navigate government-backed financing with lower downpayments and competitive rates for qualified properties.
Exclusive access to specialized lenders who understand multifamily investments and offer better terms.
Professional financial modeling to maximize your deal appeal and secure optimal financing terms.
Detailed proforma creation with clear explanations so you fully understand your investment numbers.
Strategic planning to structure deals for maximum leverage, cash flow, and long-term portfolio growth.
Hands-on teaching so you become a more sophisticated investor with every transaction.
A proven 7-step system that takes you from property analysis to keys in hand.
Build detailed financial projections including NOI, DSCR, and cash flow analysis for your property.
Walk through financing options, CMHC advantages, and optimal structuring for your specific deal.
Compile comprehensive documentation package with in-house underwriting to ensure approval readiness.
Present your deal to our network of multifamily-specialized lenders and CMHC when applicable.
Manage lender communication, answer questions, and navigate the approval process to closing.
Detailed review of engagement letter, rate, terms, and conditions to ensure you understand everything.
Work with notary and all parties to ensure smooth, on-time closing with all documents in order.
See how strategic financing can transform your multifamily investment returns.
Schedule Your ConsultationNumbers that speak for themselves.
Real deals, real results. I help investors secure high-leverage financing with optimal terms.
* All deals represent actual client successes. Detailed proformas available upon request.
I never planned to become a mortgage broker. Like many of you, I started as a multifamily investor looking to build wealth through real estate. During my own investment journey, I experienced firsthand the frustration of working with brokers who didn't understand multifamily properties.
They couldn't explain the numbers, didn't know about CMHC advantages, and treated every deal like a residential mortgage. I became a broker by accident while trying to solve my own financing challenges.
What started as learning how to properly analyze and finance my own deals turned into a passion for helping other investors avoid the mistakes I made and access the opportunities I discovered.
Today, I focus exclusively on multifamily financing because I know the questions you have, the challenges you face, and the strategies that actually work. I'm not just your broker. I'm an investor who happens to have the license and lender relationships to help you succeed.
With over 7 years of specialized experience in multifamily investing and financing, I have helped investors close $80M+ in annual volume. My unique background as both investor and broker means I understand your goals, challenges, and the questions you're afraid to ask.
I educate while I finance, ensuring every client becomes a more sophisticated investor. My approach combines technical expertise in CMHC financing and deal analysis with a genuine commitment to transparent, honest communication. No surprises, no games, just results.
Common questions about multifamily financing and the CMHC process.
CMHC (Canada Mortgage and Housing Corporation) multifamily financing provides mortgage insurance for properties with 5 or more units. This allows investors to secure financing with as low as 5% down payment, access lower interest rates (up to 1.5% lower than conventional), and benefit from amortization periods of up to 50 years — significantly reducing monthly payments and improving cash flow.
With CMHC-insured financing, the minimum down payment for a multifamily property (5+ units) can be as low as 5% of the purchase price. This is significantly lower than the 20-35% typically required for conventional commercial mortgages, allowing investors to preserve capital and scale their portfolio faster.
No. Unlike residential mortgages, multifamily commercial financing is primarily based on the property's income (NOI — Net Operating Income) and its Debt Service Coverage Ratio (DSCR), not your personal salary. This means the property's ability to generate rental income is the key qualification factor, allowing investors with modest salaries to finance multi-million dollar properties.
NOI (Net Operating Income) is the total rental income minus operating expenses (excluding mortgage payments). DSCR (Debt Service Coverage Ratio) measures whether the property generates enough income to cover its debt payments — calculated as NOI divided by total debt service. Lenders typically require a DSCR of 1.1x or higher. These are the two most important metrics in multifamily financing.
A proforma is a financial projection document that outlines a property's expected income, expenses, NOI, DSCR, and return on investment. It is essential for both securing lender approval and evaluating whether a deal meets your investment criteria. A well-built proforma includes current and projected rents, vacancy rates, operating expenses, and financing terms.
The typical multifamily mortgage process takes 4 to 8 weeks from initial proforma creation to closing. This includes proforma and strategy creation, building the financing file, submitting to lenders, follow-up and approval, reviewing terms, and coordinating closing with notary and all parties involved.
Educational content to help you make smarter multifamily investment decisions.
Everything you need to know about CMHC-insured financing for 5+ unit properties — eligibility, down payments, amortization, and how to maximize leverage.
Read More →Step-by-step breakdown of how to create a proforma that lenders respect — including NOI calculation, DSCR targets, and expense assumptions.
Read More →How strategic use of CMHC insurance lets investors acquire multifamily properties with minimal capital — and why this changes the math on portfolio scaling.
Read More →Ready to discuss your next deal? Book a strategy call to learn how CMHC advantages and specialized lending can improve your returns.
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