Streetwise Mortgages

What Streetwise Mortgages does

Streetwise Mortgages is a privately held Canadian mortgage brokerage — operating as a trade name of Real Estate Wealth Builders Inc. (Ontario mortgage broker license #12900) — that specializes in financing for real estate investors rather than generalist mortgage origination. Founded in 2015 and headquartered in Toronto, the firm serves three defined investor segments (Starter, Growing, Sophisticated) across Canada via a consultative advisory model built around two proprietary, trademark-marked methodologies: Financing Road Map™ (a capital-sequencing framework that plans access to A-lenders, B-lenders/credit unions, private money, CMHC, commercial, RRSP, and JV/OPM capital) and STREETWISE LendRight™ (a four-pillar risk framework for private-mortgage deals). Client-facing technology is light: a gated Fixed vs. Variable Rate Sensitivity Calculator, Floify for document collection, and the Keypr third-party AI-powered property-evaluation platform (introduced via a 2025 partnership).

The firm earns revenue primarily through transaction-based mortgage brokerage commissions on the borrower side (A-lender, B-lender, credit union, private, and CMHC placements) and capped lender-facilitation fees on the private-mortgage side via its Streetwise Private Capital sub-brand, which matches investor-borrowers with 100+ private lenders and operates with a 72-hour Letter of Interest SLA. Secondary, immaterial revenue streams include Amazon-distributed book sales (the Amazon-bestselling "Canadian Real Estate Investor Financing," #1 in Canada for 31 consecutive months) and content/lead-generation assets (gated toolkits, the annual Ontario Real Estate Investment Summit). The private-lender economics range from 9%–11% on first mortgages to 12%–14% on second mortgages (including fees), with loan servicing handled by a licensed third-party mortgage administrator.

Streetwise distributes through inside-sales advisory (toll-free 1-800-208-6255, website contact forms, complimentary Financing Strategy Sessions), an online private-lender/borrower matching portal, an annual Ontario summit, and a referral network of realtors, investor groups, podcasts (Where to Invest, Well Off, Breakthrough Real Estate, Russell Westcott), and partner organizations (Clover Properties, Self Funding House, Keypr, Olympia Trust, REIN). The firm reports cumulative client-funded volume exceeding $1B and thousands of clients served; it holds no external funding rounds, remains independently and privately owned, and operates with a small specialized team of fewer than 25 employees.

Name

Streetwise Mortgages

Legal name

Real Estate Wealth Builders Inc.

Website

https://streetwisemortgages.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Streetwise Mortgages is a Canadian mortgage brokerage specializing in financing for real estate investors across Starter, Growing, and Sophisticated segments, offering multi-channel capital access (A-lenders, B-lenders, private, CMHC, commercial, RRSP) plus a 100+-lender private-capital marketplace under the proprietary Financing Road Map™ and STREETWISE LendRight™ methodologies.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industries

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Hard Money / Private Mortgage Brokers (FSALABAH)

Keywords

• Mortgage brokerage
• Real estate financing
• Investor mortgages
• Private lending
• Mortgage advisory

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Mortgage brokerage commissions (borrower side): Core revenue stream: Streetwise earns broker fees on arranging residential, multi-family, and commercial mortgages for real estate investor clients via A-lenders, B-lenders, credit unions, and private lenders. Fees are 'pre-defined' per the private-money terms and disclosed upfront.
2. Private lender facilitation fees (lender side): Streetwise earns capped lender fees on facilitating private mortgages where Streetwise Private Capital matches lenders to deals. Lender economics are 9%-11% on first mortgages and 12%-14% on second mortgages (including fees), with a licensed third-party mortgage administrator handling payment administration and monthly statements.
3. Book sales (one-time): Revenue from sales of the Amazon best-selling book 'Canadian Real Estate Investor Financing: 7 Secrets to Getting All the Money You Want', which was the #1 top-selling real estate book in Canada for 31 consecutive months. Book is registered by buyers via the Streetwise website to receive related content and offers.
4. Lead generation via toolkits and content: Free toolkits (Multifamily Toolkit, Investor Financing Toolkit, Rent-to-Own Strategy Guide, Self-Funding House Strategy Guide, Financing Roadmap) used as lead-capture assets to feed complimentary strategy sessions and ultimately mortgage deals.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

Streetwise Mortgages is a Canadian mortgage brokerage (a trade name of Real Estate Wealth Builders Inc., License #12900) that arranges mortgage financing for real estate investors across A-lenders, B-lenders, credit unions, private money, CMHC, commercial, RRSP, and joint-venture capital sources. The firm structures its advisory around three investor journey stages (Starter, Growing, Sophisticated) and operates a private lending arm (Streetwise Private Capital) that matches borrowers with 100+ private lenders, issuing Letters of Interest within 72 hours.

Differentiator

Problem solved

Functional benefit

Brands

• Streetwise Private Capital: Private lending arm of Streetwise Mortgages that connects borrowers with private mortgage lenders and facilitates private lender registration.
• Canadian Real Estate Investor Financing

Products and services

• Streetwise Mortgages Mortgage Brokerage Multiple-award-winning Canadian mortgage brokerage acting as a strategic financing partner for real estate investors, arranging residential, multi-family, and commercial mortgages through A-lenders, B-lenders/credit unions, private money, CMHC, commercial, RRSP, and joint-venture capital sources across the investor journey.
• Streetwise Private Capital Private lending arm connecting private lenders with real estate investor borrowers, providing access to 100+ private lenders, 1st and 2nd mortgages, exit-strategy validation, and support for registered (RRSP/TFSA via Olympia Trust) and non-registered funds, with Letters of Interest issued within 72 hours.
• STREETWISE LendRight Proprietary framework used to assess and manage risk on private loans on behalf of lenders, covering market/BEST-to-INVEST criteria, borrower credit/tax/net-worth checks, property condition/zoning/marketability, and 1st/2nd loan structuring with upfront exit underwriting (up to 80% LTV, 640+ credit score, 1-4 unit residential / 5+ multifamily / mixed-use).
• The Financing Road Map Complimentary proprietary methodology used by Streetwise advisors to plan and execute financing for income-property portfolios, sequencing equity setup, JV partner capital, vendor take-backs, and A/B/private/commercial sources to help investors scale to 20+ properties without hitting the 'financing wall'.
• Adapt & Thrive Program Ongoing educational content program offering expert interviews, tip articles, and tools to help investors adapt to changing real-estate and rate environments, including BoC rate hike guidance and cashflow management tips #1-#6.
• Fixed vs. Variable Rate Calculator Interest-rate sensitivity calculator delivered as a gated download, used to model the impact of increasing rates on an investor's portfolio cash flow and decide whether to stay put, lock in, or consider alternatives.
• Multifamily Financing Toolkit Lead-magnet toolkit for sophisticated investors that bundles a Debt Coverage Ratio Calculator, Multifamily Deal Approval Binder, and a list of top multifamily financing questions investors ask.
• Canadian Real Estate Investor Financing Book Amazon-published book authored by Dalia Barsoum covering seven investor-financing secrets (rules of the investment game, creative financing, zero-down/VTB mortgages, JV financing, private money sources, investor-only mortgages); was the #1 top-selling Canadian real estate book for 31 consecutive months.
• Starter Investor Journey Advisory track for first/second investment property buyers covering strategy selection (BRRR, Rent-to-Own, multi-residential, short-term rentals, flips, student rentals), incorporation decisions, and access to Streetwise's vetted partner network (REALTORs, accountants, lawyers, coaches).
• Growing Investor Journey Advisory track for investors with a few rentals looking to scale, focused on maintaining A-lender approvals, maximizing borrowing power, equity setup, JV capital, and using The Financing Road Map to avoid the 'financing wall'.
• Sophisticated Investor Journey Advisory track for established investors moving into apartment buildings, construction, and development; covers conventional vs. CMHC vs. alternative vs. private funding, debt+equity partner structuring, and 10%-15% down multi-residential acquisitions, backed by Multifamily Financing Canada and Commercial Financing Experts Academy training.
• Private Lender Registration Portal Online profile registration form for private lenders to define custom lending criteria (capital, LTV, position, property type preferences) and access pre-vetted investor-borrower deals curated by Streetwise with pre-defined broker fees and capped lender fees.

Quantifiable outcome

• Helped thousands of clients secure over $1B in real estate investment funding
• +4 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and secondary.

• Keypr (AI-powered property evaluation platform)coreTechnology or IntegrationStreetwise clients receive access to the Keypr platform (app.keypr.ca/streetwise) for AI-powered property evaluation. The partnership offers Streetwise-sourced property buyers an 80% cash refund on property purchases through the Keypr platform. Keypr is associated with John Asher, Co-founder of Konfidis.
• The Self Funding House (Rod Schulhauser)coreStrategic or Co-development PartnerStreetwise co-markets The Self Funding House concept (a self-funding rental property development model). A dedicated investor portal is hosted at learn.derek-lobo.com/bundles/investor-portal-streetwise-mortgages, indicating a co-branded educational offering and toolkit. Rod Schulhauser (CEO) was a featured speaker at the 2025 Ontario Real Estate Investment Summit presented by Streetwise Group.
• Clover Properties (Rachel Oliver)coreStrategic or Co-development PartnerStreetwise partners with Clover Properties (Canada's leading rent-to-own company, ~900 successful deals over 15 years) to offer rent-to-own financing and investor access to Clover's investor network. Rachel Oliver (CEO/Co-founder) was a featured speaker at the 2025 Ontario Real Estate Investment Summit presented by Streetwise Group. An exclusive 2025 toolkit for rent-to-own is co-promoted.
• River Developments (Jayden Haywood)secondaryStrategic or Co-development PartnerRiver Developments (Jayden Haywood, Partner) specializes in missing middle housing developments and presented at the 2025 Ontario Real Estate Investment Summit hosted by Streetwise Group. Streetwise co-promotes CMHC MLI Select program financing for these multi-unit projects.
• HJ Group / Livereal Factory (Harry James)secondaryStrategic or Co-development PartnerHarry James (Founder, HJ Group) is a veteran real estate developer with 40+ years experience and a portfolio exceeding $100 million. Featured speaker at the 2025 Ontario Real Estate Investment Summit and previously interviewed for the Adapt & Thrive series.
• Visture Property Group (JG Francoeur)secondaryStrategic or Co-development PartnerJG Francoeur (CEO, Visture Property Group) manages a $70M property portfolio and is a pioneer in Coach Home developments. Featured speaker at the 2025 Ontario Real Estate Investment Summit and previously interviewed (with REIN's Patrick Francey) for the Adapt & Thrive series.
• MortgageLogic.news (Robert McLister)secondaryGTM or Marketing PartnerRobert McLister (mortgage columnist for The Financial Post and founder of MortgageLogic.news) is a recurring content partner — featured keynote speaker at the 2025 Ontario Real Estate Investment Summit and previously interviewed for the Adapt & Thrive series on rate forecasts.
• Everyday Real Estate Millionaires (Paul M. Hecht)secondaryGTM or Marketing PartnerPaul M. Hecht (Founder, author of 'EVERYDAY Real Estate MILLIONAIRES') is a featured speaker at the 2025 Ontario Real Estate Investment Summit focused on Mortgage Fund Trusts (MFTs). Streetwise co-promotes MFT educational content for accredited investors.
• REIN — Real Estate Investment Network (Patrick Francey)secondaryGTM or Marketing PartnerREIN is described as Canada's #1 source for real estate education and unbiased research. Patrick Francey (CEO of REIN) and JG Francoeur (then Chief Growth Officer at REIN) were featured on the Adapt & Thrive interview series, indicating an ongoing content and audience-sharing partnership with Streetwise's investor community.
• Amazon.ca (book retail distribution)coreChannel Partner/ Reseller/ DistributorStreetwise distributes its Amazon best-selling book 'Canadian Real Estate Investor Financing: 7 Secrets to Getting All the Money You Want' through Amazon.ca retail. Buyers are prompted to register their book on the Streetwise site for follow-up content.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Butler Mortgage: One of Canada's largest independent mortgage brokerages, arranging residential and commercial mortgages across multiple lender channels. Directly comparable to Streetwise as a multi-channel Canadian broker serving investor and non-investor borrowers.
• Dominion Lending Centres: Canada's largest mortgage broker network with thousands of brokers and centralized lender access. Comparable to Streetwise in multi-channel distribution but operates at significantly greater scale and breadth across all borrower types.
• TMG The Mortgage Group: Large Canadian mortgage brokerage network offering A-lender, B-lender, and private mortgage access. Comparable to Streetwise for multi-channel investor financing, particularly through sub-brokers across Canada.
• Mortgage Architects: Canadian mortgage broker network with independent broker franchises. Directly comparable in multi-lender broker model and geographic coverage across Canada, though less specialized in investor financing.
• CanWise Financial: Canadian mortgage brokerage (now owned by RBC) focused on transparent pricing across multiple lenders. Comparable as a multi-channel broker serving Canadian borrowers, though with less investor-specific specialization.
• True North Mortgage: Canadian mortgage brokerage offering residential and investment property financing through multiple lenders. Comparable in serving Canadian investor and residential borrowers, with similar scale.

Emerging players

• nesto: Canadian digital-first mortgage lender/broker with multi-lender product marketplace. Comparable in operating in Canada's mortgage origination market with a technology-enabled model, though nesto is more digital-native and less investor-specialized.
• Pineapple: Canadian fintech mortgage brokerage offering digital broker matching. Comparable as a multi-channel Canadian mortgage intermediary, though focused on general-purpose rather than investor financing.

Broad incumbents

• Mortgage Centre Canada: One of Canada's largest national mortgage broker networks with deep multi-lender access. Comparable as a broad Canadian mortgage broker with sub-broker model, though less specialized in the investor segment Streetwise targets.
• Equitable Bank (EQB): Canadian Schedule I bank with strong investor/alternative mortgage lending arm. Comparable as a funding source for non-prime and investor mortgages, overlapping with Streetwise's B-lender and private capital channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/StreetwiseInvestor
• Facebookfacebook.com/streetwisemortgages
• LinkedInlinkedin.com/company/streetwise-mortgages
• Instagraminstagram.com/streetwise_investor
• Xx.com/StreetwiseM

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Streetwise Mortgages