Stalled Growth or Construction?
The Challenge
Cap limits, stalled sites, or waiting on CMHC while trades sit idle.
The Solution
A Division of Streetwise Mortgages
Private Capital with a Plan. Not Just a Loan.
We build the bridge from immediate private funds to long-term financial stability—whether you are scaling a portfolio, have challenges proving income or navigating a transition.
The specialized private lending division of the award-winning Streetwise Mortgages
Choose Your Path
Identify your scenario to see how we can help bridge the gap.
Strong Business, Low 'Paper' Income?
The Challenge
Write-offs or new self-employment history blocking approval.
The Solution
Facing a Setback or Power of Sale?
The Challenge
Divorce, health issues, or aggressive lenders forcing an exit.
The Solution
Not sure which solution fits your situation? Contact us for personalized guidance.
3 Mistakes That Get Borrowers Trapped in Private Debt
(And How We Help You Avoid Them)
Obsessing Over the Rate, Ignoring the Exit
The Trap
Choosing the lowest rate without a clear renewal or payout path puts you at risk of costly fees or power of sale.
The Difference
We build your Exit Strategy first. We ensure you have a safe way out before you get in.
Working with 'Transactional' Lenders
The Trap
Many lenders disappear after funding. If you face a hurdle like permit delays or income changes, you're on your own.
The Difference
We are your Transitional Partner. We manage the relationship and guide you to institutional financing.
Assuming All Construction Loans Are Equal
The Trap
Valuation methods (Cost vs. As Complete) and hidden cash flow killers like interest reserves can leave projects underfunded.
The Difference
We structure loans for project success, keeping more money in your hands to keep your project moving and funded coupled with draws flexibility.
Expertise Matters in Complex Financing
As 2 times recipient of Ontario and Canada's mortgage broker of the year award and best-selling author of Canadian Real Estate Investor Financing, Dalia specializes in structuring solutions that optimize cash flow, minimize risk, and scale real estate portfolios.
Dalia Barsoum
Principal Broker & Founder
With over 20 years in banking, lending, and real estate finance, Dalia brings institutional-grade rigor to private lending. Her expertise in structuring solutions that optimize cash flow, minimize risk, and scale real estate portfolios has made her Canada's #1 small markets broker.
6,500+ Transactions$2B+ Funded20+ Years Experience
National Recognition & Media Features
Media logos scroll continuously to showcase national recognition and features.
2024
Broker of the Year
Canadian Mortgage Professional
Global 100
Mortgage Professional
Top Professionals Worldwide
Forbes
Finance Council
Invitation-Only Community
7+ Years
Top Selling Real Estate Book
Canadian Real Estate Investor Financing
Get Started
Quick qualification assessment - Takes 2-3 minutes
Expert Insights & Professional Guidance
In-depth guides and insights to help you make informed decisions about private mortgage financing.
Cost Transparency & Exit Strategy
Feb 27, 2026
13 min read
Private Mortgage vs Bank vs B-Lender: How to Choose the Right Financing in Canada
Canada's mortgage market operates across three distinct tiers: A-lenders (banks), B-lenders (trust companies), and private lenders. This guide compares all three across approval criteria, rates, speed, and total cost to help you choose the right financing for your situation.
Cost Transparency & Exit Strategy
Feb 23, 2026
17 min read
Private Mortgage Exit Strategy: The Complete Guide for Canadian Borrowers
A private mortgage exit strategy maps how borrowers transition from private lending to conventional financing. Learn the five stages of exit planning, timelines, credit rebuilding tactics, and what FSRA expects.
Cost Transparency & Exit Strategy
Feb 22, 2026
15 min read
The True Cost of a Private Mortgage in Ontario: Beyond the Interest Rate
A private mortgage in Ontario typically costs between 9% and 18% in true APR when you account for all fees. On a $500,000 mortgage at 10%, expect $65,000–$75,000 in total cost over 12 months. Here’s every cost component you should understand.
Get Started with Your Private Mortgage
Quick qualification assessment to understand your options. Takes 2-3 minutes and helps us provide personalized guidance.
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What type of financing do you need?
Select option that best describes your situation
Purchase
Buying a new property
Refinance
Refinancing existing mortgage
Equity Take-Out
Access home equity
Bridge/Short-Term
Temporary financing
Construction/Renovation
Building or renovating
Debt Consolidation
Consolidating debts