Syndicated Mortgages Explained + Investment Opportunity (Principal Secured – 9% Per Year Fixed)

There are so many different ways to invest your money in real estate. One of the more secure and lucrative ways is through participating in a Syndicated Mortgage Investment where a group of investors funds one high quality real estate development project with a defined exit date. Although not all companies that facilitate real estate investment are equal – the ones that do it well will provide you with a number of advantages.

Higher Fixed Interest Payments

As the Canadian population ages – the appetite for higher risk – fluctuating return type of investment is diminishing. While almost everyone realizes the typical GIC provides a negative real return after inflation – surprisingly many us are not aware that there are alternatives for those with fixed income needs. Syndicated Mortgages provide retail investors with 8% fixed annual return minimum paid out monthly or quarterly. As this is the foundation of the investment return – there is commonly an interest reserve fund set aside to assure that investors are paid in a timely and consistent fashion.

Maximum Due Diligence

After so many years in investment, examining different investment vehicles available – rarely have I come across a legal and disclosure process that was so thorough and enlightening. The framework of understanding the suitability of the investment to the selection of the project, the research and due diligence that has been completed before you ever have the chance to invest is astounding. Working with top-tier, blue chip development companies with 20 plus years of successful track records in exiting projects in a timely manner brings a very high level of comfort. And on top of this there is the process of being provided Independent Legal Advice in order to ensure that all of your questions are answered in an unbiased manner.

Minimum Investment Requirements

With so many excellent investment vehicles in Ontario – they fall under the Accredited Investor rules which are restrictive to say the least. This leaves 90% of us in the cold or having to settle for the watered down investments your local bank offers. The major advantage of investing in a Syndicated Mortgage is that this falls under the rules regulated by the Financial Services Commission of Ontario. The minimum investment for a Syndicated Mortgage is $25-30 K. This opens a door wide for all of Ontarians who have $25K sitting in their RSP gathering dust. Wait, did I say RSP? This leads us to the next one.

Eligible for RRSP, TFSA, cash, etc.

This one is huge! The vast majority of Canadians don’t have a ton of cash sitting around that is not being deployed for good use (home, business, family). But there is a monetary equivalent that we all forget about that we should be kicking into high gear for our financial future. The RSP is eligible for investment into Syndicated Mortgages as well as liquid cash and non registered investment funds. This is so exciting to hear as it provides an option to start to build wealth toward your retirement. As you do not have to cash out the RSP – there is no tax event and the returns you receive have to be deposited back into the RSP. Can you see how this is going to begin to open a whole new world for your savings?

I encourage you the investor to take it upon yourself to learn more. The reward will be more than worth your effort. The world of real estate investing is truly vast and can be intimidating to those who don’t take the time to educate themselves. The opportunity that Syndicated Mortgages provide are a breath of fresh air in a stale market environment.

Next Principal Secured Mortgage Opportunity: Patterson-Kaye Resort on Lake Muskoka

Patterson-Kaye Resort provides lenders with an unparalleled opportunity to finance an existing operating resort while participating in the exciting future development of a marquee property located in the heart of Muskoka. Situated on over 66 pristine acres in the crown jewel of cottage country, Patterson-Kaye Resort has been operating as a family vacation destination on the shores of Lake Muskoka at the mouth of the Muskoka River in beautiful Bracebridge, Ontario since 1936.

2014 Readers Choice Award – Best Small Resort

In November 2014, Patterson-Kaye Resort was celebrated within the local community receiving accolades as the Bracebridge Examiner and Gravenhurst Banner’s 2014 Readers Choice Award Winner for Best Small Resort! building on a heritage of distinction within the Muskoka region.

Muskoka Memories Steakhouse and Seafood Restaurant

Since June 2012, Patterson-Kaye Resort has been the home to one of the best restaurants in Muskoka which operates under the name Muskoka Memories Steakhouse & Seafood Restaurant.

Property Development Plans

• Development and build-out of a new Conference, Banquet and Events Centre with up to 16 Hotel rooms to accommodate guests – the first for Bracebridge
  • Re-development, tear down and re-building of 10 existing seasonal cottages with Lake Muskoka river views to create 20 new units in total to be offered for sale as land lease units with exceptional water views
  • Development and build-out of up to 10 additional new cottage units on the core resort property to be offered for sale as land lease units
  • Development and build-out of up to 15 elegant townhomes also to be offered for sale as land lease units with full access to resort amenities

Mortgage Investment Highlights

• 9% simple interest per year
  • 2 Year Term with 1 year renewal option at developers discretion
  • Pre-paid Annual Interest for 2 year term
  • 69.6% Loan to Value (LTV)
  • Minimum investment amount: $25,000

NEW innovative selling feature

For the very first time, the investors are offered prepaid annual interest along with the additional peace of mind of knowing they have received their interest payments in advance on each anniversary of the term. No more waiting for interest payments!

Interested in learning more about this project and other investments opportunities?

Call me at 416-904-1181 or e-mail me at [email protected]

Jaroslaw Dalek

Mortgage Agent, Lic. M13000616

Centum Way2Save Inc.

Broker Lic. 12010

204 Queen St South,

Mississauga, ON, L5M 1L3

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