B-Side Lending Platform for Real Estate Investors

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B-Side Lending Platform for Real Estate Investors

Inspired by a conversation on:

The Canadian Real Estate Investor

The Canadian Real Estate Investor

New Mortgage Rules Could Make It Harder To Buy Real Estate

Host: Daniel Foch & Nick Hill

Timestamp: 00:19:40 - 00:20:05

Listen to Episode • View Podcast • All Ideas from The Canadian Real Estate Investor

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Feather Flow

Direct Quote

"Alternative lenders like credit unions, even private mortgage companies who aren't bound by the same Aussie regulations could actually end up backfilling a lot of that demand for credit products."

Market Gap

Small investors struggle to qualify for mortgages under new rules.

The recent changes to mortgage qualification criteria by OSFI have made it increasingly difficult for small and novice real estate investors to secure financing. Many small investors relied on combining salary and rental income to qualify for multiple properties. With the new regulation preventing this, many are finding themselves unable to leverage their income effectively, leading to a significant reduction in the mortgage amount they can qualify for. This creates a barrier for those looking to expand their portfolios, pushing them towards alternative lending solutions. Without access to capital, many aspiring investors could be priced out of the market, impacting their ability to grow wealth through real estate.

Summary

The current regulatory landscape has created a gap for real estate investors who are struggling to secure financing due to stricter income verification processes. A new platform focused on B-side lending could help bridge this gap by connecting small investors with credit unions and private mortgage companies that aren't subject to the same regulations as traditional banks. By providing a streamlined application process and leveraging relationships with these alternative lenders, the platform can facilitate access to capital for those who may have been previously overlooked by conventional financing options. This could empower small investors to continue acquiring properties and expanding their portfolios despite the new challenges posed by the OSFI guidelines.

Categorization

Business Model
Marketplace
Target Founder
Generalist
Difficulty
Medium
Time to Revenue
3-6 months
Initial Investment
$1,000-$10,000

Potential MRR (18-24 months)

Conservative
$5,000 - $15,000 MRR
Moderate (Most Likely)
$15,000 - $30,000 MRR
Optimistic
$30,000 - $50,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
8/10
Market Potential
8/10
Evidence
7/10
Overall
7.6/10
Found on October 3, 2025 • Analyzed on October 3, 2025 11:44 AM

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