June 13, 2025

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  • info@streetwisemortgages.com
  • +1-800-208-6255
★★★★★ 5/5

$300Million+ funded

diversify your portfolio and earn higher returns than traditional investments secured by a tangible asset.

At Streetwise Private Capital, we make it easy for you to invest in private mortgages and earn a steady stream of income.

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we know real estate investors

Trusted by thousands of investors

Award winning brokerage serving real estate investors for over 10 years. Our team has the expertise and knowledge to help you achieve your real estate goals.

Streetwise LendRightTM

LEAN ON OUR DEEP LENDING EXPERIENCE TO HELP YOU MANAGE THE RISKS OF PRIVATE LENDING

We have developed an exclusive methodology (STREETWISE LendRightTM) to help assess and manage the risks of private loans on behalf of our lenders.

This increases the likelihood of a successful exit while earning excellent returns.

Our exclusive methodology for assessing the risk of a private mortgage , increasing the likelihood of a successful exit while earning excellent returns

01 - Market

Up to 80% loan to value in markets that are based on our BEST to INVEST research. These markets have the following strong fundamentals:


  • Demonstrate strong economic fundamentals for driving value
  • Supply and demand are tight
  • Low vacancies
  • Rent and values poised to increase
  • Diversified economy

Up to 75% loan to value in markets outside of our BEST to INVEST list (up to 80% on an exception basis for cities with populations of 50,000+)

02 - Borrower

CREDIT SCORE: 640 or higher
TAXES: Proof of no  personal taxes owing to CRA
NET WORTH: Confirmation of personal net worth (only required on mixed use and 5+ unit multifamily)
INCOME: Proof of qualified or stated income

03 - Property

CONDITION: Run down property will demand a higher rate premium (0.5% or greater)

ZONING: Confirmation that the use of the property conforms to zoning

PROPERTY TYPES: Residential (1-4 units), 5+ Unit Multifamily, Mixed-Use (No Land, No Recreational Properties, No Industrial)

MARKETABILITY: Max sale time (based on the appraisal report) of 3 months for 1-4 unit residential properties, and 12 months for mixed-use or 5+ unit multifamily

04 - Loan

RANK: 1st or 2nd mortgages

EXIT STRATEGY: Confirmation of exit strategy through full deal underwriting of anticipated future scenario IS COMPLETED UPFRONT

USE OF FUNDS: Property acquisition, renovations, additions, construction. No debt consolidation or payout of another private (exceptions on deal by deal basis)

FAST | TRANSPARENT | FAIR

Top Reasons to lend with Us

We are here to support your success in real estate investing

EARN EXCELLENT RETURNS WHILE MANAGING RISK

You must be wondering what return can I expect when I lend on private mortgages through Streetwise Private Capital? Our answer is: Between 9%-11% on a first mortgage and between 12%-14% on a second mortgage (including fees). However, what is often overlooked in the process of private lending are the risks associated with the returns. Generally, the higher the risk the higher the returns.

YOU CAN LEND USING REGISTERED FUNDS

You can mix and match the types of funds you use for lending: both registered and non registered. For example: you can use funds from your RRSPs, your spouse's RRSPs, TFSAs, or other non-registered savings. It is even possible to use funds from both your TFSA and RRSP accounts. The key is to have a self-directed registered account with a trust company (such as Olympia Trust) if you would like to lend registered funds or TFSA funds. Our team can help you setup a self-directed account with Olympia Trust to facilitate lending through your / your spouse’s registered accounts* *$500 setup fee applies

DEDICATED LENDER RELATIONSHIP MANAGER

Once you become an approved private lender with Streetwise Mortgages, you will be introduced to your Account Manager who will: 1. Present you with private lending deals that are suitable for your goals, budget, and risk appetite 2. Assist you with setting up a self-directed account if you wish to invest using registered funds and do not yet have a self-directed account setup 3. Answer any questions you have throughout the lending process

SIMPLIFY YOUR LIFE AS A LENDER

When lending through streetwise mortgages, your loans are administered through a licensed mortgage administrator. This means that:
A. You get the interest from the borrower deposited into your account. No manual cheque deposits or e-transfers! B. If for any reason there are delays with payments, a mortgage administrator partner will get in touch with the borrower to help resolve the matter for you and they know the ins and outs of collections and any legalities surrounding the process. C. Get monthly statements of your mortgage holdings with a detailed break down of any interest and fees you earned. This will come handy at tax season. No more Excel spreadsheets to track what you are earning on your private mortgage investments.

Let's get started. Schedule an introduction.

Our steps

We are promising simple

As your private lending team, we sweat the details to serve up only the sweetest deals, hassle-free.

Introduction

Start your journey: Meet our team and explore possibilities.

Personalization

Create your lender profile: Share preferences for tailor-made opportunities.

Presentation

Deal Presentation: Receive hand-picked opportunities aligned with your interests.

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Track Record

Who we are in numbers

A glimpse of the Streetwise track record of empowering real estate investors

Years of lending experience
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Over $1.5Bil in loans
$ 0 Mil
Deals funded
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5 Star reviews
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They are the best Brokers that we had the opportunity to work with over they years. Very professional, organized, efficient, great communication and fast.
Viktor G.
Viktor G.Real Estate Investor
We were very pleased with an advice Stacey Manokhina provided us with. She spent the time carefully reviewing our investing portfolio and she explained all the possible options for our current situation. Stacey is a very knowledgeable and honest person. We highly recommend her...
Meg K.
Meg K.Real Estate Investor
What a pleasure to be working with Stacey Manokhina, who has been so helpful and patient from the very first time we spoke. Thank you very much Stacey for going above and beyond in getting us not just a deal but more than what we have hoped for!
Myla
MylaReal Estate Investor

the people behind Streetwise Private Capital

a team committed to your success

Your success is our success. It is as simple as that!

Dalia Barsoum

President & Principal
Broker

Stacey Manokhina

Senior Account
Manager

Elena Miller

Senior Account
Manager

Raheleh Aghdasi

Senior Account
Manager

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All about private Lending

Our blog is the go-to resource for all things private lending! Stay informed and educated on the latest news and developments in this space, and learn how you can benefit from using private money for your next investment.

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Streetwise Private Capital is operated by Streetwise Mortgages. Streetwise Mortgages is a trade name of Real Estate Wealth Builders Inc. (License # 12900).

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