Beyond Brokering
Strategic Capital Advisory.
Navigate complex commercial financing with the insight and precision of 4Capital.ca’s Co-Founder & Managing Partner.
Why Work With Me Instead of a Bank
Built for Investors & Developers
As an active investor and developer myself, I understand the realities of your projects and structure financing that scales with your vision.
Clarity Over Confusion
No vague term sheets or mixed messages. Just transparent breakdowns and a clear roadmap you can follow.
Custom Solutions, Institutional Power
I design financing to fit your deal and bring in the best appraisers, engineers, surveyors, and lenders to back you.
Faster Progress, More Exceptions
I cut through roadblocks with relationships, processes, and flexibility that banks can’t match.
Part of Your Team
Banks keep you at arm’s length. I embed with your team, cut through delays, and make financing as seamless as the rest of your project.
The Right Capital At The Right Time
Each lender has unique rules. I’ll guide you and keep the file on track.
CMHC Financing
End-to-end navigation of CMHC criteria, pro formas, debt coverage, and loan proceeds. Your file stays compliant and on timeline for both refis and new builds.
Construction Loans
Structure for draw schedules, interest reserves, and covenant requirements so the build can proceed without funding surprises. Based on your stage, leverage, and risk profile.
Bridge Loans
Short-term capital to stabilize assets, complete value-add, or bridge to CMHC or term debt. Selection guided by leverage targets and exit strategy.
Term Loans
Long-term financing aligned to the business plan and cash flow targets, with attention to covenants that protect flexibility.
Private Capital
Options beyond conventional channels through banks, B-lenders, credit unions, MICs, and private lenders. Useful for non-stabilized assets, high leverage, or accelerated timelines.
Trusted Results. Delivered At Scale.
200+
Loans funded
700M+
Funded volume
2,500+
Total units
10+
Years of industry experience
A clear path – from first call to funding.
Discovery and Deal Submission
We gather project type, financials, timeline, and objectives, then place the deal with the most suitable lenders across CMHC, bridge, term, construction, or private.
Engagement, Due Diligence, and Structuring
Lenders review financials, property docs, rent rolls, and appraisals. I work with you and the lender to align the structure with underwriting.
Approval, Commitment, and Closing
After diligence, a commitment letter sets the terms. I coordinate legal, satisfy conditions, and manage the file through funding for a smooth close.
Frequently Asked Questions
Multi-unit residential, student housing, senior housing, mixed-use, industrial, office and retail, land, and development.
Yes. I handle pre-qualification, underwriting, and final approval, and I optimize each file for success.
Typically a rent roll, recent financials, property details, and a business or project overview. I provide a tailored checklist and support.
Lenders usually expect 10 to 15 percent true liquidity. On a $10M project, that is about $1M to $1.5M in accessible cash or liquid assets. We will review net worth, liquidity, and experience together.
Call or text 519-566-2347, or message @themortgagearchitect. The process is straightforward and I guide you from start to finish.
