Published papers on
mortgage investing in Canada.
Eight published papers on mortgage investing in Canada — MICs, private capital and passive income — written by Ali Zaidi, Exempt Market Dealer (EMD), Drake Financial.
Published by Lendmax Capital MIC|Updated About our team
Lendmax Capital MIC Finishes FY2025 Annual Dividend Returns 13.53%
Why Canadian investors are re-evaluating traditional strategies, the opportunity cost of idle capital, and how the corporation manages risk.
Why Small & Mid-Size Builders in Canada Must Embrace Private Capital
The consolidation effect, institutional lending bias, and the capital structures available to builders who want to control their own stack.
Publicly Traded Companies vs. Private Capital Investments: A Canadian Market Analysis
Volatility, fee drag and intermediation in public markets, against income generated by real economic activity in private ones.
How to Pay Down Your 30-Year Mortgage in 7 Years Using Passive Income
An equity reinvestment framework with three worked case studies, the arithmetic of rate arbitrage, and the risks of leverage.
Passive Income Through High Yield Investments in Canada
Defining yield properly, where MICs sit in the landscape, and why compounding turns income into a wealth engine.
The Pros and Cons of a Mortgage Investment Corporation vs a REIT in Canada
Liquidity versus stability, contractual income versus market pricing, and the tax treatment of each.
How Lendmax Capital MIC Selects High Yield Investment Opportunities in Canada
Asset quality, borrower capacity and exit strategy — the three pillars, and why process outperforms prediction.
How Canadians Are Losing Money by Not Diversifying Their Investments
Concentration risk in the Canadian investor profile, the illusion of safe investments, and the opportunity cost of inaction.
Construction Mortgage Investments: Draws, Holdbacks and Cost to Complete
How construction mortgage investments work for Canadian investors — draw schedules, lien holdbacks, cost to complete, and what happens if the builder stops mid-project.
Liquidity and Redemption: Getting Your Money Out of a Mortgage Investment
How redemption actually works in a Canadian mortgage investment — notice periods, lock-ups, queues, gates and suspension rights — and what to ask before you invest.
First vs Second Mortgage Investments: What Position Really Costs
Why a second mortgage investment pays more than a first, and a worked recovery through enforcement showing what each position actually receives when proceeds fall short.
Loan-to-Value for Mortgage Investors: How to Read It, and Where It Misleads
How to calculate loan-to-value across stacked mortgage positions, what a weighted-average LTV hides, and the three ways a reported LTV can flatter a portfolio.
Where Do Mortgage Investment Returns Actually Come From?
The four sources of return in a Canadian mortgage investment — interest, lender fees, renewal fees and reinvestment — and the fees and tax that reduce each one.