Get up to $65,000 - No Monthly Payments. No Income Verification. No Credit Checks.
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Invest with Equity Life Line
Secure Returns Backed by GTA Real Estate
12-18% Annual Returns | 8-12 Month Terms | LTV<60%
Investment Overview:
What We Offer:
Second mortgage investment opportunities (up to $65k - or more depending on risk tolerance) secured by owner-occupied GTA residential properties with conservative 50-60% combined loan-to-value ratios.
Target Returns:
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Interest: 9.99-14.99% annually
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Lender Fee: 2-4% (upfront or at term end)
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Combined Return: 12-18% typical
Property Focus:
Geographic: Greater Toronto Area (GTA) + Surroundings
Property Types We Finance:
✅ Detached homes (standard, 1-2 car garage)
✅ Semi-detached homes
✅ Townhomes
Properties We Avoid:
❌ Condos
❌ Luxury homes ($2M+)
❌ Specialty properties
Why? Middle-market properties in desirable locations sell fastest and maintain stable values.
Homeowners We Help
Homeowners facing temporary challenges - but with significant existing home equity:
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Mortgage payment backlogs
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Property tax arrears
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CRA debt obligations
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High Credit card / personal loans
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Temporary income disruptions
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Bruised Credit
Why they succeed: Zero monthly payments gives them breathing room to reorganize finances and successfully refinance or sell.
Investment Parameters:
Parameter
Investment Amount :
Loan Position :
Maximum Loan-to-Value (LTV) :
Term Length :
Interest Rate :
Lender Fee :
Details
$25,000 - $65,000 per property
Second Mortgage (registered on title)
50-60% combined (1st + 2nd mortgage)
8-12 months (option to renew with lender fee)
9.99-14.99% (paid at term end)
2-4% (taken upfront OR at term end)
Fee Structure
Total Loan Processing/Administration (not including interest): 6-8% + Legal Fees.
All fees deducted from borrower's principal loan proceeds
Your Lender Fee
2 - 4% of principal (Added at end of term OR deducted upfront from net advance)
Our Service Fee
4% - Capped at $2,400
Legal Fees
Approx. $850 legal fees (Excluding Disbursements + HST)
Return Example: $50,000 Loan at 14.99% for 12 Months
With lender fee of 3% (taken at term end):
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Your investment: $50,000
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Interest earned: $7,495
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Lender fee: $1,500
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Total return: $8,995 (17.99%)
Borrower receives roughly : $45,150 (after fees: lender fee $1,500 + EquityLifeline fee $2,000 + legal fee $850 + disbursements)
Risk
Mitigation
We do a thorough due diligence of the property, the homeowners, title, documents verification (existing mortgage, property taxes, CRA statement of accounts) & exit strategies before presenting a deal to the lender.
Conservative LTV Protection:
With 50-60% combined LTV, you have 40-50% equity cushion protecting your investment against market fluctuations.
Example:
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Property value: $800,000
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1st mortgage: $400,000 (50%)
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Your 2nd mortgage: $50,000
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Combined LTV: 56.25%
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Your protection: $350,000 equity cushion (43.75%)
Multiple Protection Layers:
✅ Owner-occupied - Personal stake in protecting home
✅ Single 1st mortgage - No complex lien priorities
✅ No CRA or Property Tax liens - Clean title at funding
✅ Active home insurance - Property protected
✅ Desirable locations - Strong resale markets
✅ Vetted & Valued Homes - In-house market appraisals and personally visited homes with pictures and details
✅ Short terms - 8-12 months limits market exposure
WHY ZERO MONTHLY PAYMENTS?
Traditional Problem: Adding monthly payments to borrowers increases their existing payment burden and default risk.
Our Solution: Zero monthly payments is a lot more attractive and allows borrowers to:
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Eliminate existing monthly payment obligations
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Improve their financial position over 8-12 months
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Build capacity to refinance successfully
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Result: Higher repayment success rate
The Benefit: Borrowers get a break from payment overload and Lender gets the same lump sum return with lower default risk.
Worst Case Scenario:
Power Of Sale (Sale)
Foreclosure (Sale)
Fire (Insurance)
Even if property sells 20% below market:
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Original value: $800,000
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Sale at 20% discount: $640,000
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1st mortgage payoff: $400,000
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Your repayment: $59,000 (50k principal + 3% Fee + 15% interest)
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Remaining buffer: $181,000 (excluding selling costs)
Plus: All power of sale costs (added interest, penalties, legal, commission, etc.) are added to borrower's loan balance, potentially increasing your return in enforcement scenarios.
Market Advantage: Rising power of sale inventory creates strong buyer demand for below-market properties, ensuring quick sales if needed.
EXCLUSIVE:
LICENSED REALTOR / INVESTOR
Double Your Returns: Investment + Listing Commission
Special Opportunity for Licensed Realtors:
At loan signing, homeowners sign an Exclusive Listing Agreement with you for 1-1.5% commission* if they sell within the loan term (commission structure can vary).
Enhanced Return Example:
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$50,000 Investment return (12 months): $8,995 (17.99%)
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Listing commission (1% of $800K sale): $8,000
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Combined total: $16,995
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Effective return: 34%
Conversion Rate: Approximately 40-50% of borrowers sell within term.
Portfolio Impact: 10 investments = 4-5 potential listings = substantial additional income.
Borrower Exit Strategies
1
Property Sale
Borrower signs an exclusive listing agreement with you (if you are a realtor) or with our partner realtor team to list the home for sale before term ends.
2
Refinance
We regularly check in with borrowers to monitor their credit profile, debt levels and financial situation to prepare for a traditional lender refinance before the term ends.
3
Renewal
You decide that the risk is low and keep your loan active by renewing for a set term. Charge a renewal fee with a new contract and your returns continue to add up.
Get Started Today
Ready to Deploy Your Capital?
📞 Investor Line: 647-927-5150 (Dharm)