Successful Portfolio Refinance – 100% Financing and a Strategic Exit

Written By Keystone Capital

At Keystone MIC, we specialize in flexible and creative lending solutions for real estate investors across Atlantic Canada. A recent success story highlights how our tailored private mortgage helped a seasoned investor acquire, renovate, and refinance a portfolio of income properties in Windsor, Nova Scotia.

The Deal: 100% Financing for Three Duplexes

The broker approached Keystone MIC with a strategic plan to grow their borrower’s investment property portfolio. The request: financing for the purchase of three duplexes in Windsor, along with an Equity Take Out (ETO) on a 2-unit duplex already under construction.

Using a combination of first and second-position mortgages on the subject properties and a charge on the borrower's primary residence, Keystone was able to offer 100% financing on the acquisitions. This significantly eased upfront capital requirements and provided the investor with the liquidity needed to continue with property improvements.

Renovate, Stabilize, Refinance (ie. BRRRR or Fix & Refinance)

Over the course of less than one year, the borrower completed cosmetic upgrades to the properties and worked to stabilize rental income. Once the renovations were complete, the client successfully refinanced with a Credit Union, repaying the private mortgage in full.

This project is a perfect example of how private mortgage lenders like Keystone MIC can provide bridge financing to support real estate investors with strong exit strategies, even when traditional lenders are not an immediate option.

Borrower Profile

  • Profession: Self-employed business owner since 2015

  • Real Estate Experience: Multiple investment properties

  • Income: Strong

  • Credit: Strong repayment history, high utilization

  • Exit Strategy: Refinance with Credit Union; sell newly built duplex to improve liquidity

Why It Worked

  • Strong Real Estate Track Record

  • Clear Exit Plan via Refinance and Property Sale

  • Flexible Security Options, including second-position charges

  • Fast, Common-Sense Lending Approach by Keystone MIC

If you’re a mortgage broker or real estate investor looking to acquire or refinance investment properties in Nova Scotia, New Brunswick, Newfoundland, or Prince Edward Island, reach out to Keystone MIC to explore our flexible private mortgage solutions. We specialize in fast approvals, investor-friendly terms, and lending based on equity—not red tape.

🔗 Contact us today at keycap.ca

Keystone Capital
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