Private Mortgages Canada
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Private Capital with a Plan. Not Just a Loan.
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're scaling a portfolio, proving income, or navigating a transition.

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Choose Your Path

Identify your scenario to see how we can help bridge the gap.

REAL ESTATE INVESTORS

Stalled Growth or Construction?

The Challenge

Cap limits, stalled sites, or waiting on CMHC while trades sit idle.

The Solution

Private draws and construction money to finish builds, densify, and exit cleanly.

BUSINESS OWNERS

Strong Business, Low 'Paper' Income?

The Challenge

Write-offs or new self-employment history blocking approval.

The Solution

Qualify on true cash flow and season your income for the bank.

HOMEOWNERS & LIFE EVENTS

Facing a Setback or Power of Sale?

The Challenge

Divorce, health issues, or aggressive lenders forcing an exit.

The Solution

Protection, stability, and a bridge back to traditional lending.

Not sure which solution fits your situation? Contact us for personalized guidance.

We Don't Just Approve the Loan.

We Approve the Exit.

01

The Holistic Assessment

We look beyond rigid checklists. Whether you are a business owner, investor, or homeowner, we analyze the true strength of your borrower profile and asset value.

We listen to the story behind the numbers.

02

Strategic Structuring & Exit Plan

Before we lend, we define how you'll pay it back. We structure a private mortgage that meets immediate needs while mapping out a clear transition to traditional lenders.

We don't just approve the loan; we approve the plan.

03

Nimble Funding

We bypass institutional red tape to deploy funds quickly, allowing you to secure acquisitions, restart construction, or pay off aggressive lenders immediately.

Capital when you need it, not weeks later.

04

Active Management & Transition

We act as your transitional partner, monitoring progress—whether construction, income seasoning, or credit repair—and guiding you to a lower-rate mortgage.

We bridge you to the finish line.

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, finding the right mix of leverage and draw flexibility.

Expertise Matters in Complex Financing

As Canada's #1 small markets broker and best-selling author of investor financing strategies, Dalia specializes in structuring solutions that optimize cash flow, minimize risk, and scale real estate portfolios.

Dalia Barsoum - Award-winning mortgage broker and founder

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

Financial Post logo
CBC Television logo
Canadian Mortgage Professional magazine logo
Canadian Real Estate Wealth magazine logo
Forbes Finance Council logo
Amazon Canada Best Seller badge
MoneyShow Conference logo
The Globe and Mail logo
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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
Start My Application

Quick qualification assessment - Takes 2-3 minutes

Specialized Solutions
For Complex Needs

We have a strategy for every scenario. Explore our specialized lending products designed to bridge the gap.

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