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The Benefits of Mortgage Investing
Investing in mortgages offers a secure and straightforward way to grow your wealth through Canadian residential real estate. With our vetted opportunities, you can access higher rates and enjoy stable, monthly returns—just like a bank. Backed by real estate, your investment remains secure while we handle the complexities for you. Start earning passive income and watch your money work for you with confidence.
How We Select Mortgage Investments
65%-80% Loan-to-Value (LTV) Ratio
We focus on mortgages with an LTV ratio between 65% and 80%, ensuring sufficient borrower equity and reducing risk.
Properties with an LTV below 80% have a 30% lower default rate than higher-risk loans.
600+ Borrower Credit Score
We prioritize borrowers with a credit score of 600+ and strong financial backing.
Borrowers with FICO scores above 600 have a 40% lower delinquency rate than those with scores below.
80% of Loan Amount Protected by Collateral
We ensure that the collateral value of the property fully protects both the first and second mortgages.
Loans with collateral coverage above 80% see a 90% lower risk of default.
Return on Investment (ROI)
Projected ROI
Investors can expect Bank of Canada Prime rate + 2-4% depending on loans.
Investors can expect Bank of Canada Prime rate + 2-4% depending on loans.
Risk Management
- Conservative Loan-to-Value (LTV) ratios to mitigate default risks.
- Diversified mortgage portfolio across residential and commercial properties.
- Strict due diligence process to ensure high-quality loan underwriting.
Exit Strategy & Liquidity
- Investors can exit after 2 years with structured payout options.
- Potential for equity participation in larger development projects.
Who Should Consider Investing in a Mortgage Fund?
Mortgage funds are ideal for investors seeking income-generating assets with a medium to low-risk profile. If you have extra funds that you don’t need for daily expenses, investing in a mortgage fund could offer a higher return than a traditional GIC or high-interest savings account. Since mortgage funds are not highly liquid, they may not be suitable for those who need immediate access to their money.
Individuals looking to invest in real estate-backed assets without needing significant capital.
Investors who want diversification across multiple property types and values.
Investors seeking a stable and predictable income stream.
Those who understand that liquidity may be limited and that withdrawing funds requires advance notice
Those who prefer the flexibility to reinvest and grow their capital instead of receiving regular interest payouts.
Investors looking for an alternative to stock market volatility while still earning competitive returns.
Why Invest in Mortgages with 8th Street Capital?
- A stable investment option beyond the stock market’s ups and downs.
- Enjoy consistent income deposited into your account or registered savings plan.
- Earn better rates compared to GICs and many MICs.
- We handle the work while you collect earnings.
- Access carefully selected, high-quality investments.
- Your investment is backed by tangible residential properties.ings.
- Maximize your investment potential with tax-efficient strategies.
