THE BM SELECT
INVESTOR EDGE
Scale
Break
Stop getting declined by your bank for owning too
many properties. Finance with up to 40 units — from first
doors, to real estate empires.
Click here to download the Investor Edge Toolkit
Escape big bank jail and build the empire they said you couldn’t.
You did everything right. Bought smart. Managed risk. You’re building something real.
But then — your bank slams the brakes.
“Too many properties.”
“Too many mortgages.”
“Sorry, we can’t help.”
Suddenly, you’re in big bank jail — locked out of scaling because your success scares them.
Our Scale Break program is the tool you need to break free.
It’s time to flee the big bank’s limits and grow your portfolio, your way, up to 40 residential units. No interest rate premiums. No B lender markup.
Finally, a mortgage program aimed at helping you scale without sacrificing your interest rate and cashflow.
Key Points:
- Able to finance an investor portfolio up to 40 units
- Qualifying can be based on traditional mortgage qualifying OR a “DCR” (worksheet outlining the cash flow of an investor’s portfolio)
- Low, bank-like interest rates
- Maximum 80% loan to value
- Maximum 30-year amortization
- Financing inside a holding company available
- Investors must have some form of “liquid fall back“
Portfolio-wide analysis
We assess your full portfolio and income picture to optimize leverage, cash flow, and qualification opportunities.
Pre-positioned for your next deal
We proactively set up your financing so you’re ready to act when opportunity strikes — no delays, no surprises.
Liquid fall back refers to Savings/Chequing, RRSPs, TFSAs, any stocks, bonds, or mutual funds.
Real Examples ... How it Works
Example #1: Stewart wanted to scale his real estate portfolio
Stewart has amassed a large real estate portfolio of 23 residential units over the past 8 years. Sadly, the last 11 properties he acquired, he worked with several mortgages brokers who ultimately could only provide him with B lender and private lender options that had punitive interest rates and fees, putting a strain on cash flow and bringing down his overall portfolio return percentage.
In his search for a mortgage that works well for him, Stewart has faced many obstacles due to the total number of properties in his portfolio as well as the lack of personal income he is able to show on his application due to being self-employed.
Our BM Select Scale Break program removed the shackles that were on Stewart’s real estate portfolio. We helped him refinance those 11 properties that were mortgaged with B lenders and private lenders, into much lower interest rates. In addition, we pre-approved Stewart to buy another 5 investment properties based on down payment funds he had available.
Let’s break down the numbers:
Let’s take a look at Stewart’s savings using Scale Break on those 11 properties that were previously financed with B or private lenders.
| BEFORE | AFTER |
| $443,974 Avg. Mortgage Amount | $449,418 Avg. Mortgage Amount |
| 6.91% Avg. interest rate | 4.29% Avg. interest rate |
| $2,898/month Avg. payment | $2,211/month Avg. payment |
| NO lender fees |
Any penalties to break away from ‘B’ and private lenders were added to the new mortgages
- Improved cash flow on each property by an average of $687/month (that’s over $7500/month improvement on those 11 homes).
- New mortgages all locked-in at low rates until 2030.
- Stewart was also pre-approved to buy 5 more rental properties using Scale Break.
Disclaimers
- Interest rates provided are subject to change and are for illustration only.
- Clients must meet all the qualification requirements.
- All appraisals must be conducted by approved, accredited appraisers.
- Lending programs and eligibility criteria are subject to change without notice.
- Portfolio analysis and DCR evaluation must be supported by verifiable financial documentation.
- Liquid fallback refers to accessible, non-registered or registered capital reserves (cash, securities, etc.). Some restrictions may apply.
- Approval may be subject to a brokerage fee.
- You may be required to send in additional documentation at any part during the mortgage process up until the final closing.
