Mortgage Solutions

Strategic Commercial Financing & Multi-Unit Investment.

Navigate the complexities of commercial lending. We provide the sophisticated analysis and lender access required to scale your business or investment portfolio.

Multi-Unit Residential

Scale your rental portfolio. We specialize in financing for properties with 5 or more units. Whether you are looking for CMHC-insured programs or conventional commercial lending, we structure deals that maximize your cash flow and leverage.

Commercial Business

Stop paying rent and start building equity. If you are a business owner looking to purchase the building you operate out of, we provide financing options for retail, office, and industrial spaces tailored to your company's unique financial structure.

Industrial & Specialized Real Estate

Funding for your unique operations. From warehouses and manufacturing facilities to specialized medical or retail plazas, we connect you with institutional and private commercial lenders who understand your specific asset class.

Request A Commercial Quote With Kyle!

What working with Kyle Looks Like:

1. Initial Call

Discuss what you need and see all available options.

2. Info & Doc Collection

Send Kyle your info and documents

3. Lender Approval

Discuss and review the lender approval with Kyle.

4. Close & Beyond

Fulfill all lender conditions to close your deal.

Start Your Process With Kyle!

Why Kyle For Commercial?

•Sophisticated Analysis: Commercial lending is about the "Debt Service Coverage Ratio" (DSCR). We perform the deep-dive analysis on the property's income and your business's health before presenting the file to ensure a higher chance of approval.

•Advanced Lender Network: As a Level 2 Agent, Kyle has direct access to life insurance companies, credit unions, and private investment syndicates that focus exclusively on commercial debt—options your local bank branch cannot offer.

•Bespoke Structuring: Every commercial deal is unique. We negotiate the specific terms, covenants, and prepayment structures that align with your 5-year and 10-year business goals.

Call Kyle!

Commercial-Specific FAQs

How do commercial mortgages differ from residential ones?

Commercial mortgages focus more on the property's ability to generate income than the borrower's personal income. They also typically involve more extensive "due diligence" like environmental and building condition reports.

What is the minimum down payment for a commercial property?

Typically, commercial properties require a minimum down payment of 25% to 35% for conventional lending. However, specialized programs (like CMHC MLI Select for multi-unit residential) can sometimes allow for much higher leverage.

Why should I work with a Mortgage Agent instead of just going to my bank?

A bank employee can only offer you the specific products and rates their employer provides. As an independent Mortgage Agent, I work for you, not the bank. I have access to over 88 different lenders, including major banks, credit unions, and private lenders, allowing me to shop the entire market to find the strategy that best fits your goals, often with better rates and more flexible terms than a single bank can offer.