Mortgages
Actual $4,000,000 deal funded by Moskowitz Capital
Loan Criteria
Actual $4,500,000 deal funded by Moskowitz Capital

Actual $4,500,000 deal funded by Moskowitz Capital

Loan Program
  • Loan Amount: $250,000 to $9,000,000
  • Term: 6 to 36 months
  • Rates: 6.95% to 12.5%, subject to risk
  • Lender Fee: 2% to 4% of the loan amount
  • Amortization: Often interest only, negotiable
  • Prepayment: Flexible
  • Guarantee: Personal required in most situations
  • Security: 1st mortgage, 2nd mortgage on a selective basis
  • Purpose: Residential, commercial, construction, environmental remediation, special situations
  • Timeline: Term sheets in 24 hours upon presentation of good information
  • Loan to Value: Max: 75% on residential, 70% on commercial, higher loan amounts with additional real estate collateral
Eligible Properties
  • Single Family Dwellings: Urban and selective rural
  • Mixed Use: Properties that integrate residential and commercial uses
  • Retail and Office Buildings: Includes office, convenience stores, drug stores, bakeries, and salons
  • Multi-Family Housing: Individual apartments for rent and student housing
  • Raw Land: Residential and commercial
  • Warehouses/Light Industrial Properties: Single and multi-tenant facilities
  • Automotive Services: Includes auto repair to retail auto shops and parts-supply stores.
  • Hotels/Motels: On a selective basis
  • Restaurants: Established owner-occupied and leased facilities
  • Other type of properties include:
    • Assisted Care
    • Campground
    • Car Wash
    • Storage
    • Mobile Home Park
    • Private School
    • Church
Our Deals Done
Inventory Financing
Term - $1,020,000
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Inventory Financing
Inventory Financing
Term - $1,020,000

1st Mortgage Term Loan on Stacked Townhouse Units in Saskatoon, SK.

This inventory loan is secured against multiple stacked townhouse units. The borrower completed development of the subject property and sold out the balance of units.

Purchase of Redevelopment Site
Land Term - $2,500,000
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Purchase of Redevelopment Site
Purchase of Redevelopment Site
Land Term - $2,500,000

1st Mortgage Term Loan on a Redevelopment Site in Toronto, ON.

The purchase of this redevelopment site will allow our borrower to bring new residential units into the neighbourhood.

Show Home Construction
Construction - $350,000
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Show Home Construction
Show Home Construction
Construction - $350,000

1st Mortgage Construction Loan for a Show Home in Saskatoon, SK.

Once again, when our client’s credit union said NO to this additional build as it reached its cap, we said YES! Moskowitz Capital helps entrepreneurs capture lucrative opportunities in real estate.

Pre-Sale Construction
Construction - $640,000
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Pre-Sale Construction
Pre-Sale Construction
Construction - $640,000

1st Mortgage Construction Loan for a Pre-Sold Single-Family Dwelling in Regina, SK.

When our client’s credit union said NO to this additional build as it reached its cap, we said YES! Moskowitz Capital helps entrepreneurs capture lucrative opportunities in real estate.

Vacant Commercial Property Purchase
Term - $365,000
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Vacant Commercial Property Purchase
Vacant Commercial Property Purchase
Term - $365,000

1st Mortgage Term Loan on a Vacant Commercial Building in Regina, SK.

A term loan for purchase of a 12,384 sq. ft. building, formerly a church. The client needed to purchase the property prior to finalizing construction plans.

Townhome Conversion to Condominium Ownership
Term - $1,665,000
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Townhome Conversion to Condominium Ownership
Townhome Conversion to Condominium Ownership
Term - $1,665,000

1st Mortgage Term Loan on a 10-Unit Townhome in Peterborough, ON.

When our client’s banker said NO to this condo conversion, we said YES! Moskowitz Capital helps entrepreneurs capture lucrative opportunities in real estate.

Commercial Refinance and Equity Takeout
Term - $625,000
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Commercial Refinance and Equity Takeout
Commercial Refinance and Equity Takeout
Term - $625,000

1st Mortgage Term Loan on a Commercial Condo in Markham, ON.

Refinance and equity takeout loan on a 1,789 sq. ft. retail commercial condominium unit. Fund’s loan will retire all consumer debt, as well as provide working capital to purchase additional equipment.

Large Home Construction
Construction - $1,400,000
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Large Home Construction
Large Home Construction
Construction - $1,400,000

1st Mortgage Construction Loan on a Personal Residence in Outer Cove, NL.

Construction of a 9,461 sq. ft. personal residence just minutes outside of St. John’s, NL. Once the building is substantially complete, bank takeout financing will be available.

Commercial Building Purchase Financing
Term - $1,452,000
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Commercial Building Purchase Financing
Commercial Building Purchase Financing
Term - $1,452,000

1st Mortgage Term Loan on a Commercial Building in Toronto, ON.

The purchase of this landmark bank building allows our borrower to secure the cornerstone piece to its new development.

Three Pre-sold Duplexes
Construction - $1,200,000
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Three Pre-sold Duplexes
Three Pre-sold Duplexes
Construction - $1,200,000

1st Mortgage Construction Loan for Three Pre-sold Duplexes in Regina, SK.

Our third loan to this borrower provides construction financing on a cost-to-complete basis for three pre-sold duplexes. Being a reliable source of capital allows our borrowers to focus on building.

Inventory Loan
Term - $1,700,000
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Inventory Loan
Inventory Loan
Term - $1,700,000

1st Mortgage Inventory Loan for Eight Commercial Three Residential Condominium Units in Saskatoon, SK.

This successful builder required time to liquidate the balance of its residential and commercial condominium units. This loan is secured against eleven remaining units.

Development Land Purchase
Land Term - $980,000
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Development Land Purchase
Development Land Purchase
Land Term - $980,000

1st Mortgage Development Land Loan in Halifax, NS.

Our loan funds acquisition of 5.3 acres of raw commercial land in Halifax. The land will be serviced and improved with a commercial building to serve as the future home of Newbridge Academy, a sports-centric private school.

Complicated Renovation
Construction - $1,050,000
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Complicated Renovation
Complicated Renovation
Construction - $1,050,000

1st Mortgage Renovation Loan for Semi-Detached Dwelling in Toronto, ON.

An out of city borrower purchased the subject Toronto property from his family estate for the purpose of renovating and subsequently leasing. The property has been gutted and renovations are underway. Due to the borrower’s distant location from the subject property and the project being mid-construction, traditional sources of capital are unavailable.

Luxury Single-Family Dwelling
Term - $2,000,000
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Luxury Single-Family Dwelling
Luxury Single-Family Dwelling
Term - $2,000,000

1st Mortgage Term Loan on a Luxury Single-Family Dwelling in Toronto, ON.

This borrower had little on-paper supporting documentation. Our ‘know your borrower’ due diligence is hands-on and in-depth, and we concluded that this borrower met our traditional due diligence requirements.

Infill Spec Construction
Construction - $560,000
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Infill Spec Construction
Infill Spec Construction
Construction - $560,000

1st Mortgage Construction Loan for Three Single-Family Dwellings in Saskatoon, SK.

A local experienced realtor has entered the new construction market. Our funds will allow simultaneous construction of three homes, providing the borrower with the quickest route to capture the profit.

Pre-Construction Financing
Construction - $940,000
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Pre-Construction Financing
Pre-Construction Financing
Construction - $940,000

1st/2nd Mortgage Construction Loan in Halifax, NS.

Pre-bank financing for construction of a 103-unit mixed-use building while traditional bank financing is secured. Our loan will enable the borrower to continue work on the foundation until drawing down traditional bank financing and then will reduce the equity requirement.

 

Development Land Financing
Land Term - $725,000
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Development Land Financing
Development Land Financing
Land Term - $725,000

1st Mortgage Term Loan in Paradise, NL.

This building lot is soon to be developed with a multi-family building. Our client needed time to get its plans together and that is exactly what our loan provides.

Subdivision Spec Houses
Construction - $380,000
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Subdivision Spec Houses
Subdivision Spec Houses
Construction - $380,000

1st Mortgage Construction Financing For Two Neighbouring Single-Family Dwellings in Halifax, NS.

Construction of two speculative 1,800 sq. ft. single-family dwellings in Halifax, NS. The sponsors are an electrician and a contractor with decades of experience. The properties are well located in a new subdivision close to downtown Halifax.

Purchase Financing
Term - $2,250,000
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Purchase Financing
Purchase Financing
Term - $2,250,000

1st Mortgage Term Loan for a Single-Storey Multi-Unit Automotive and Retail Building in Whitby, ON.

The borrower made application to traditional sources of capital, however due to the tight closing time, these organizations were unable to react quickly enough.

Neighbouring Single-Family Dwelling Construction
Construction - $500,000
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Neighbouring Single-Family Dwelling Construction
Neighbouring Single-Family Dwelling Construction
Construction - $500,000

1st Mortgage Construction Financing For Two Neighbouring Single-Family Dwellings in Regina, SK.

An existing single-family dwelling was removed and the lot is being improved with two new two-story homes. Moskowitz Capital is proud to be a part of this project.

Inventory and Tenant Improvement Loan
Construction Term - $2,162,000
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Inventory and Tenant Improvement Loan
Inventory and Tenant Improvement Loan
Construction Term - $2,162,000

1st Mortgage Commercial Condominium Inventory Financing in Pilot Butte, SK.

Our financing allows the borrower to complete the building and provides time for units to be leased or sold.

Acquisition / Cost to Complete Financing
Construction Land Term - $790, 000
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Acquisition / Cost to Complete Financing
Acquisition / Cost to Complete Financing
Construction Land Term - $790, 000

1st Mortgage Building Lot Acquisition and Construction Financing in Regina, SK.

This builder had the opportunity to purchase five lots and needed capital to hold them. Construction financing will be provided as the builder requires. Our deal solves both our borrower’s short term and medium term goals.

Harbour Front Inventory Loan
Term - $1,050,000
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Harbour Front Inventory Loan
Harbour Front Inventory Loan
Term - $1,050,000

1st Mortgage Term Loan in Dartmouth, NS.

A seasoned borrower of ours required an inventory loan in order to complete soft costs on the next phase of its landmark development. Our financing will allow the borrower to move forward on this development with minimal delays, potentially saving it hundreds of thousands of dollars in the long run.

Funds to Complete Construction
Construction - $250,000
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Funds to Complete Construction
Funds to Complete Construction
Construction - $250,000

1st Mortgage Construction of a Single-Family Dwelling in Warman, SK.

The builder has self-financed this project to date, however needed capital to bring it to completion and market. Moskowitz Capital funding spec home construction allows our builders to focus on building and letting their product speak for itself.

Spec Construction Financing
Construction - $282,000
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Spec Construction Financing
Spec Construction Financing
Construction - $282,000

1st Mortgage Construction of a Single-Family Dwelling in Saskatoon, SK.

Moskowitz Capital provided construction financing on a cost-to-complete basis for this infill single-family dwelling. The borrower had self-financed to date and used our funds to complete construction. We pride ourselves at getting builders across the finish line.

Multiple Single-Family Construction
Construction - $550,000
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Multiple Single-Family Construction
Multiple Single-Family Construction
Construction - $550,000

1st Mortgage New Home Construction in Regina, SK.

This loan is to one of Regina’s larger home builders. Our funds will be used to construct two new inventory homes. Located in a desirable new subdivision, these homes are similar to the approximately 50 this builder constructs each year.

Infill Rental Construction
Construction - $280,000
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Infill Rental Construction
Infill Rental Construction
Construction - $280,000

1st Mortgage Duplex Construction in Regina, SK.

Construction of an infill rental duplex in Regina, SK. This is a build-for-self project taken on by the borrower who is a growing home builder.

Land for Residential Development
Land Term - $3,755,000
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Land for Residential Development
Land for Residential Development
Land Term - $3,755,000

1st Mortgage Land Held for Development in Halifax, NS.

This loan, to one of Halifax’s largest residential landlords, is to purchase nearly one acre of prestigious South Halifax residential lands for future development. Currently an older mansion, divided into four apartments, the plan is for the building to be torn down to allow for five high-end single-family dwellings.

Funds to Complete Construction
Construction - $1,500,000
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Funds to Complete Construction
Funds to Complete Construction
Construction - $1,500,000

1st Mortgage Condo Construction in Saskatoon, SK.

Our borrower needed funds to complete construction of this riverside condo development. Self-financed to date, our capital allowed the borrower to wrap up this project and move on to the next.

Land for Residential Development
Land Term - $625,000
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Land for Residential Development
Land for Residential Development
Land Term - $625,000

1st Mortgage Land Held for Development in Truro, NS.

Moskowitz Capital assisted the borrower in acquiring land from the Town of Truro to consolidate a site for future development of 70 residential units. Additional capital was also provided, allowing the borrower to obtain his equity contribution for a construction loan on a 6-unit townhouse building, financed by a conventional bank. This one loan unlocked two opportunities!

26 Single-Family and Semi-Detached Building Lots
Construction Land - $1,120,000
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26 Single-Family and Semi-Detached Building Lots
26 Single-Family and Semi-Detached Building Lots
Construction Land - $1,120,000

1st Mortgage Residential Land Development in Halifax, NS.

This family-owned developer is embarking on a 56 acre open-space land development in Upper Sackville. The use of proceeds is for road construction and site servicing of 26 bare-land condominium units (building lots). Once the lots are ready for construction, our borrower will be able to realize on the full potential of this land.

Pre-sold Build from an Experienced Builder
Construction - $3,000,000
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Pre-sold Build from an Experienced Builder
Pre-sold Build from an Experienced Builder
Construction - $3,000,000

1st Mortgage Infill Construction in Regina, SK.

Our borrower is one of Regina’s largest home builders. Funds will assist the borrower in the construction of a pre-sold single-family dwelling to a couple preapproved by the bank. Speed and assurance of funding are the reasons this borrower continues to use Moskowitz Capital.

Bridge Development Construction Loan
Construction - $2,000,000
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Bridge Development Construction Loan
Bridge Development Construction Loan
Construction - $2,000,000

2nd Mortgage Construction of 104-unit Apartment in Halifax, NS.

This 104-unit multi-family dwelling was under construction, however the bank’s sluggishness in providing the main construction facility would have caused on-site delays. Moskowitz Capital provided a $2,000,000 bridge loan to allow the developer to not skip a beat.

Commercial Property with Environmental Contamination
Term - $1,600,000
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Commercial Property with Environmental Contamination
Commercial Property with Environmental Contamination
Term - $1,600,000

1st Mortgage Term Loan on an Auto Centre in Guelph, ON.

The borrower, a tire dealer and automotive service shop, is securing its location after 25 years of leasing, via the purchase of the subject property. The property has environmental contamination for which a Risk Assessment has been submitted to the Ontario Ministry of the Environment, which at such time precludes it from conventional financing. Upon acceptance of the Risk Assessment, the property will be refinanced with a traditional lender.

New Home and Subdivision Lot Development Loan
Construction - $2,000,000
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New Home and Subdivision Lot Development Loan
New Home and Subdivision Lot Development Loan
Construction - $2,000,000

1st Mortgage Construction of Single-Family Dwellings in Saskatoon, SK.

The purpose of the loan, to one of Saskatoon’s promising developers, is to provide construction financing for three single-family dwellings (one pre-sold unit, one model home and one speculative build) and lot financing for seven single-family dwelling building lots in and around Saskatoon.

38-unit Townhome Construction Loan
Construction - $9,250,000
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38-unit Townhome Construction Loan
38-unit Townhome Construction Loan
Construction - $9,250,000

1st Mortgage Townhome Construction in Saskatoon, SK.

Our financing will be used to develop 38 townhomes in Saskatoon, SK, in multiple phases over a two-year period. This deal had competing offers to finance, from a bank and large mortgage investment corporation, however the borrower chose Moskowitz Capital due to its positive experiences with us.

14-unit Affordable Housing Construction Loan
Construction - $800,000
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14-unit Affordable Housing Construction Loan
14-unit Affordable Housing Construction Loan
Construction - $800,000

1st Mortgage Affordable Housing Construction in Holyrood, NL.

This repeat borrower needed financing for construction of fourteen two-bedroom government sponsored affordable rental housing units in Holyrood, NL. Understanding the intricacies of the government grant, Moskowitz Capital was able to provide a solution that worked alongside the government’s conditions and funding schedule.

Funds Utilized to Secure Property Prior to Future Redevelopment
Term - $525,000
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Funds Utilized to Secure Property Prior to Future Redevelopment
Funds Utilized to Secure Property Prior to Future Redevelopment
Term - $525,000

1st Mortgage Acquisition Loan in Ottawa, ON.

This professional Ottawa based developer has executed on many redevelopment projects to date. The property secured by this loan will be rezoned, demolished and improved with a multi-family building, netting the borrower a healthy profit.

Term Loan on a Four-Unit Multi-Family Property
Term - $1,175,000
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Term Loan on a Four-Unit Multi-Family Property
Term Loan on a Four-Unit Multi-Family Property
Term - $1,175,000

1st Mortgage Post-Construction Takeout Financing in Ottawa, ON.

The borrower used a variety of sources to finance the redevelopment of this multi-family building. Moskowitz Capital provided a term loan to reduce our borrowers’ cost of capital and give them time to lease up the premises. When the borrowers demonstrate consistent rental cash flow, the bank will fund our exit.

Rural Home Construction Loan
Construction - $300,000
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Rural Home Construction Loan
Rural Home Construction Loan
Construction - $300,000

1st Mortgage Rural Home Construction in Collingwood, ON.

This professional couple, who hired a builder to construct a new personal residence, chose to use Moskowitz Capital to finance the construction because of our quick response time, even though they had a bank option.

Funds Utilized for Construction of the Blue C while Traditional Bank Financing is Secured
Construction - $5,300,000
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Funds Utilized for Construction of the Blue C while Traditional Bank Financing is Secured
Funds Utilized for Construction of the Blue C while Traditional Bank Financing is Secured
Construction - $5,300,000

1st Mortgage Condo Construction in Dartmouth, NS.

Traditional lenders take time – time that well-known developer, Francis Fares, could not afford to waste. To keep his project on schedule, Fares told this story to the folks at Moskowitz Capital. ‘The ability of the team at Moskowitz Capital to listen to our request and respond quickly to meet our interim financing requirement allowed the pace of construction on the Blue C to continue unabated’ said Fares.

Mixed-Use Building Already Under Construction
Construction - $4,000,000
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Mixed-Use Building Already Under Construction
Mixed-Use Building Already Under Construction
Construction - $4,000,000

1st Mortgage Condo Construction in Saskatoon, SK.

Our borrower began construction of this 48-unit mixed-use condominium building prior to seeking financing. Our $4,000,000 got the borrower to the finish line, allowing it to capture the project’s profits.

Commercial Spec Build Already Underway
Construction - $2,500,000
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Commercial Spec Build Already Underway
Commercial Spec Build Already Underway
Construction - $2,500,000

1st Mortgage Commercial Building in Dartmouth, NS.

Construction financing for an 8-unit commercial condominium building was required to ensure there were no construction delays. Making sure construction never stalls is a high priority at Moskowitz Capital.

Harbourfront Condo Inventory Units
Term - $838,000
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Harbourfront Condo Inventory Units
Harbourfront Condo Inventory Units
Term - $838,000

1st Mortgage Condo Inventory Loan in Dartmouth, NS.

Our borrower required unlocking the equity in several inventory condo units held after it completed the construction of the building. Accessing the equity now allows the borrower to advance other construction projects, without the pressure to lower the selling prices of these units.

Harbourfront Land Held for Development
Land Term - $5,000,000
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Harbourfront Land Held for Development
Harbourfront Land Held for Development
Land Term - $5,000,000

1st Mortgage Preconstruction Land Loan in Dartmouth, NS.

Our borrower required unlocking the equity in these 19 acres of urban land held for development, allowing the borrower to focus on their near-term business, as well as securing the land for the long-term. This is our second deal with this borrower.

New Home and Subdivision Lot Inventory Term Loan
Term - $2,500,000
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New Home and Subdivision Lot Inventory Term Loan
New Home and Subdivision Lot Inventory Term Loan
Term - $2,500,000

1st Mortgage Inventory of Single-Family Dwellings in Halifax, NS.

One of Halifax’s largest home builders required working capital for its business. This loan is secured against seven model homes and 22 building lots in the Halifax Regional Municipality.

25-unit Condominium Construction and Land Acquisition Loan
Construction Land - $3,000,000
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25-unit Condominium Construction and Land Acquisition Loan
25-unit Condominium Construction and Land Acquisition Loan
Construction Land - $3,000,000

1st Mortgage Construction of a 25-unit Condo in Saint John, NB.

As part of the rejuvenation of downtown Saint John, our borrower is constructing 25 condominium units and required financing for both land acquisition and construction. Our loan will allow our client to get to the finish line faster than using traditional sources of capital, ensuring they capture the profits from this project. This is our fifth deal with this borrower.

Semi-Detached Construction and Subdivision Lots Held for Future Use
Construction - $640,000
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Semi-Detached Construction and Subdivision Lots Held for Future Use
Semi-Detached Construction and Subdivision Lots Held for Future Use
Construction - $640,000

1st Mortgage Construction of Semi-Detached Dwellings in Warman, SK.

This loan is for the purpose of constructing a speculative 1,458 sq. ft. per side semi-detached family dwelling in Warman, SK, a bedroom community to Saskatoon. The loan also provides funds to secure three single-family dwelling building lots in Warman for future use. The borrower is an experienced home building company who needed additional funding, alongside its current bank borrowing.

Construction and Term Loan of 9,100 SQ. FT. Retail Plaza
Land Term - $875,000
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Construction and Term Loan of 9,100 SQ. FT. Retail Plaza
Construction and Term Loan of 9,100 SQ. FT. Retail Plaza
Land Term - $875,000

1st Mortgage Term Loan for Retail Plaza in Clarenville, NL

Spec Construction of Seven Single-Family Dwellings
Construction - $1,500,000
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Spec Construction of Seven Single-Family Dwellings
Spec Construction of Seven Single-Family Dwellings
Construction - $1,500,000

1st Mortgage Construction of Seven Single-Family Dwellings in St. John’s, NL.

Our borrower required working capital to complete seven speculative single-family dwellings in and around St. John’s, NL that are at various stages of completion. Our loan will allow construction to progress as our borrower continues to market the properties.

Term Loan on Land Held for Development
Land Term - $4,500,000
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Term Loan on Land Held for Development
Term Loan on Land Held for Development
Land Term - $4,500,000

1st Mortgage Term Loan on Land Held for Development in Toronto, ON.

The loan is secured by nearly eight acres of land in a desirable location in Toronto, ON. The property is currently undergoing environmental remediation prior to being developed with commercial and residential towers.

Refinance on Mixed-Use Building and Single-Family Dwelling
Term - $175,000
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Refinance on Mixed-Use Building and Single-Family Dwelling
Refinance on Mixed-Use Building and Single-Family Dwelling
Term - $175,000

1st Mortgage Equity Take-Out on Mixed-Use and Single-family Dwellings in Annapolis Valley, NS.

Our borrower, a sole proprietor, needed working capital for his historic building restoration business. The borrower’s principal residence and mixed-use building are collateral for this loan.

Spec Construction of 12-unit Condominium
Construction - $2,070,000
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Spec Construction of 12-unit Condominium
Spec Construction of 12-unit Condominium
Construction - $2,070,000

1st Mortgage Construction of 12-unit Condo in Paradise, NL.

Our repeat borrower begun spec construction of a 12-unit residential condominium building, located in Paradise, NL, a suburb of St. John’s, prior to seeking financing. We provided $2,070,000 in first position for the land purchase and construction financing. Being able to build this building on spec as opposed to waiting for presales will allow our borrower to capture the profits months earlier.

Land Holding of Ten Serviced Lots
Land Term - $530,000
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Land Holding of Ten Serviced Lots
Land Holding of Ten Serviced Lots
Land Term - $530,000

1st Mortgage Land Holding of Ten Serviced Lots in Yorkton, SK.

Our repeat borrower secured good pricing on ten residential building lots in Yorkton, SK. A quick closing was required to capture this opportunity and due to this tight timeframe, no construction financing could be sought. We provided an inventory loan secured against these lots until the borrower can put together a package to seek construction financing. At that time, we will put forward an offer to finance either spec or presale construction.

Construction Loan for Three 6-Plexs
Construction - $1,700,000
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Construction Loan for Three 6-Plexs
Construction Loan for Three 6-Plexs
Construction - $1,700,000

1st Mortgage Construction of Three 6-plexs in Yorkton, SK.

Yorkton is currently experiencing strong demand for rental housing, due to in-migration attributed to Saskatchewan’s positive economic climate. Our borrower, who has captured similar opportunities in other regions, decided to build in Yorkton. Other lenders’ unfamiliarity with the local Saskatchewan markets were unable to match our competitive offering

Twenty-Four Home Subdivision Construction Loan
Construction - $5,000,000
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Twenty-Four Home Subdivision Construction Loan
Twenty-Four Home Subdivision Construction Loan
Construction - $5,000,000

1st Mortgage Construction of a 24 Home Subdivision in St. John’s, NL.

Often times the banks’ rigidity limits the growth and flexibility of a builder. From a single home to this entire 24 home St. John’s subdivision, Moskowitz Capital can provide construction financing. For this trusted client, we provided a significant portion of funds upfront to allow construction of all 24 homes simultaneously. Moskowitz Capital offers flexible draw schedules, charges only on funds advanced and works with brokers/builders to develop long term relationships.

Historic Saint John Commercial Building Term Loan
Term - $1,350,000
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Historic Saint John Commercial Building Term Loan
Historic Saint John Commercial Building Term Loan
Term - $1,350,000

1st Mortgage Commercial Term Loan in Saint John, NB.

Our borrower couldn’t obtain the required flexibility from his banker needed to facilitate an internal ownership change. Moskowitz Capital provided a first position mortgage, allowing the borrower to make the required ownership changes.

Forty-Eight Unit Apartment Building Construction Loan
Construction - $5,000,000
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Forty-Eight Unit Apartment Building Construction Loan
Forty-Eight Unit Apartment Building Construction Loan
Construction - $5,000,000

1st Mortgage Construction of a 48-unit Apartment in Dieppe, NB.

Our borrower was borrowing from banks on other properties, however required short-term funds of $5,000,000 to complete construction of a 48-unit apartment building. We are looking forward to repeat business with both the builder and mortgage broker.

Fifty-Two Unit Condo Bridge Construction Loan
Construction - $3,500,000
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Fifty-Two Unit Condo Bridge Construction Loan
Fifty-Two Unit Condo Bridge Construction Loan
Construction - $3,500,000

Construction/Bridge for 52-unit Condo in St. John’s, NL.

Our borrower started construction prior to solidifying financing from his bank. The bank’s slow approval process meant that our borrower would have to halt construction without an injection of outside capital. We provided a $3,500,000 facility to allow our borrower to continue building. Once the bank financing is in place, a portion of our loan will be repaid from the proceeds, with the remainder being postponed to second position until the condo units are sold.

Equity Take Out
Term - $1,085,000
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Equity Take Out
Equity Take Out
Term - $1,085,000

2nd Mortgage Equity Take Out from 18 Rental Condos in Regina, SK.

Equity take out from 18 rental residential condominium units for a down payment on the borrower’s latest construction project. We allowed our builder client to unlock the value in their current real estate, helping them capture an opportunity.

Purchase of Land Held for Development
Land Term - $300,000
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Purchase of Land Held for Development
Purchase of Land Held for Development
Land Term - $300,000

1st Mortgage Purchase of Land Held for Development in Mount Pearl, NL.

An experienced builder had an opportunity to purchase a vacant infill parcel of land in Mount Pearl, NL (suburb of St. John’s) being rezoned to medium density to accommodate construction of two, three-storey, 24 unit multi-residential buildings. Having a relationship with Moskowitz Capital, allowed our borrower to be the first builder in town to jump on this opportunity, knowing they had the financial backing.

Purchase of 8-Plex Rental
Term - $311,000
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Purchase of 8-Plex Rental
Purchase of 8-Plex Rental
Term - $311,000

1st Mortgage Purchase of 8-Plex Rental in Sudbury, ON.

A bank borrower needed higher risk capital to purchase his latest rental property. The property required minor upgrades and replacement of several tenants to qualify for more traditional financing. We helped our client capture an opportunity in real estate, by understanding the property and the needs of the local rental market.

Land Acquisition and Construction Loan
Construction Land - $3,000,000
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Land Acquisition and Construction Loan
Land Acquisition and Construction Loan
Construction Land - $3,000,000

Mortgage Construction Loan for 28 Homes in St. John’s, NL.

Moskowitz Capital provided land acquisition and construction financing for 28 new homes in and around St. John’s, NL. Working with Skymark Homes, one of the most experienced, financially sound and innovative home builders in St. John’s, was a desirable addition to our Atlantic Canadian portfolio. The revolving loan facility permits Skymark Homes to acquire new lands, allowing for a consistent construction schedule and sustained growth. The St. John’s housing market is growing and we see continued need for expansion capital for a variety of businesses.

Construction and Inventory Loan
Construction - $3,000,000
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Construction and Inventory Loan
Construction and Inventory Loan
Construction - $3,000,000

1st Mortgage Construction and Inventory Loan Multiple Apartment Buildings and Houses in Moncton, NB.

An active builder in the Moncton region required funds to complete construction on a 31-unit apartment building as well as finance unsold inventory on several semi-detached homes. The working capital Moskowitz Capital was able to provide allowed the builder to meet his payables and continue to focus on growing the business.

Multi-Family Housing
Term - $420,000
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Multi-Family Housing
Multi-Family Housing
Term - $420,000

Mortgage Residential Loan Multi-Family in Yorkton, SK.

The borrower, a property developer and owner of over 20 rental houses, bought and renovated a six-unit apartment building with the intention of converting it to condos. To date, two of the six units have been sold and the borrower has decided to hold and lease the remaining four. Our first mortgage takes out the bank’s construction loan and provides the borrower equity to continue to grow his property portfolio. Yorkton is located 200km from Regina, with a population of 17,000.

Renovation Loan
Construction - $200,000
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Renovation Loan
Renovation Loan
Construction - $200,000

1st Mortgage Renovation Loan Commercial/Residential Building in St. John’s, NL.

A long term owner of a historic commercial/residential building decided it was now time to renovate, bringing the condition of the premises up to modern standards. Through a mortgage broker, Moskowitz Capital provided a term loan to give the owner enough working capital to complete the full renovations and focus on obtaining tenants. As an active lender in St. John’s, Moskowitz Capital knew the area and were able to quickly provide a ‘yes’, allowing the owner to stay on schedule.

Construction of 5 Townhomes
Construction - $1,200,000
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Construction of 5 Townhomes
Construction of 5 Townhomes
Construction - $1,200,000

1st Mortgage Construction Loan 5 Townhomes in St. John’s, NL.

A past borrower was looking to fund their newest spec 5 unit townhome project in downtown St. John’s. Their plan was to secure financing from a local hardware store. We showed the builder the savings achieved with a Moskowitz Capital mortgage over the hardware store financing and the builder happily switched their plan. In addition to the financing savings, the builder gained flexibility to shop around for construction materials from various suppliers, likely reducing their costs even further.

Short-Term Stay
Construction - $340,000
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Short-Term Stay
Short-Term Stay
Construction - $340,000

1st Mortgage Purchase and Improvements Loan Short-Term Stay in Grand Falls – Windsor, NL.

Our borrower, an Atlantic Canadian couple currently working in Alberta, is investing in short-term stay housing to generate equity and income for retirement. Short term stay properties often fall outside of traditional lenders’ comfort zones. Moskowitz Capital provided funding for both the purchase and renovation at 75% of the purchase price plus improvements at 11%, interest only and a 2.5% Lender Fee. The building’s cash on cash return before our mortgage payment was 26%! Once the renovation is complete the borrower will graduate to a conventional lender. In the interim we helped this borrower capture a fantastic opportunity.

Spec Home Construction
Construction - $220,000
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Spec Home Construction
Spec Home Construction
Construction - $220,000

1st Mortgage Construction Loan Spec Home in Moncton, NB.

A first time home builder, who has a long-term government job and good credit, was looking to capture an opportunity in his local housing market. We provided construction financing on a draw basis for his first build.

Multi-Family ETO
Term - $550,000
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Multi-Family ETO
Multi-Family ETO
Term - $550,000

1st Mortgage Residential Loan Multi-Family ETO in St. John’s, NL.

Our borrower required equity to inject into his main business. He had 8-units in a condominium complex that were currently undergoing renovations and therefore were vacant. Moskowitz Capital knows the area and believed the borrower would be able to successfully lease up the units as renovations were completed and therefore provided the required equity.

Spec Home Construction
Construction - $310,000
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Spec Home Construction
Spec Home Construction
Construction - $310,000

1st Mortgage Construction Loan Spec Home in Swift Current, SK.

An experienced home builder required quick funds to complete a spec home in a new subdivision in Swift Current, Saskatchewan. The builder was financing construction costs with his consumer credit cards. Moskowitz Capital provided funding for land acquisition and house construction, which both lowered our borrower’s cost of capital and began to increase their Beacon score. At Moskowitz Capital, we believe when it comes to construction, it is important to build a relationship with a lender that can continue to provide financing as the builder grows. Our borrower believed this too.

10 Townhomes
Construction - $1,950,000
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10 Townhomes
10 Townhomes
Construction - $1,950,000

1st Mortgage Construction Loan Townhomes in Fredericton, NB.

A local experienced home builder faced a lucrative opportunity to build ten spec town homes in Fredericton. This frequent bank borrower needed funds quickly to capitalize on the market situation. Moskowitz Capital provided funding for land acquisition and house construction, in a timely manner at a competitive rate. At Moskowitz Capital, we believe, when it comes to spec construction, the builder must race to the finish line. If the borrower needed to wait for presales to take this deal to a bank, a significant amount of the profit would be lost. Our borrower believed this too.

Semi-Detached Family Dwelling
Construction - $645,000
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Semi-Detached Family Dwelling
Semi-Detached Family Dwelling
Construction - $645,000

1st Mortgage Construction Loan Semi-Detached in Ottawa, ON.

Moskowitz Capital funded this infill, semi-detached family dwelling, construction project in the heart of Ottawa. This builder worked his way up from a contractor, to renovator, to new home builder and required financing for his first spec home project.

Keele& Major Mack
Construction - $1,300,000
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Keele& Major Mack
Keele& Major Mack
Construction - $1,300,000

1st Mortgage Construction Loan Retail Plaza in Maple, ON.

Construction financing on a cost to complete basis for a 8,505sf building comprising of a 2 and 3 storey office/retail plaza.

Student Housing
Construction - $1,500,000
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Student Housing
Student Housing
Construction - $1,500,000

1st Mortgage Construction Loan Student Housing in Sackville, NB.

Our client, a first time builder who understood the needs of his community, was unable to obtain the necessary financing to proceed with his project of creating a 50+ bed student housing complex. After meeting our perspective borrower and understanding the project plans, Moskowitz Capital was able to provide complete construction financing. Since the initial project, Moskowitz Capital has helped the borrower by financing two similar projects.

Spec Inventory Loan
Term - $435,000
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Spec Inventory Loan
Spec Inventory Loan
Term - $435,000

1st Mortgage Inventory Loan Spec Homes in Dundurn, SK.

Our client, a father/son building company from Saskatchewan, was facing a quiet winter real estate market, leaving them with several unsold spec homes. They were borrowing $435,000 at 15% from a private Alberta lender. Moskowitz Capital was able to lower the builder’s cost of capital and free up equity, by offering an interest only loan at 8.99%. This greatly helped our client’s cash flow and profitability during the slow winter months.

Helping Build a Community
Term - $1,600,000
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Helping Build a Community
Helping Build a Community
Term - $1,600,000

1st Mortgage Construction Loan Student Housing in Sackville, NB.

Having funded the builder’s first construction project, Moskowitz Capital loaned the funds needed to purchase the raw land required to expand the builder’s business.

Waterfront Cottage
Term - $600,000
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Waterfront Cottage
Waterfront Cottage
Term - $600,000

2nd Mortgage Waterfront Cottage in Gravenhurst, ON.

Our borrower needed to utilize the built up equity in his waterfront cottage property. The loan allowed the cottage owner to capture a lucrative opportunity that far exceeded the cost of capital.

Subdivision Development
Construction - $1,500,000
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Subdivision Development
Subdivision Development
Construction - $1,500,000

1st Mortgage Developer Loan in Westgate, Saint John, NB.

Moskowitz Capital funded the construction of 14 homes in a new subdivision. Since the initial project, Moskowitz Capital has provided funds twice more for additional developments.

Classic Nova Scotia house
Term - $142,000
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Classic Nova Scotia house
Classic Nova Scotia house
Term - $142,000

1st Mortgage Term Loan Income Property in Kentville, NS.

This classic Nova Scotia house was divided into four rental units. The funds we provided helped the owner build a second source of income.

Inventory Financing
Term - $1,020,000
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Inventory Financing
Inventory Financing
Term - $1,020,000

1st Mortgage Term Loan on Stacked Townhouse Units in Saskatoon, SK.

This inventory loan is secured against multiple stacked townhouse units. The borrower completed development of the subject property and sold out the balance of units.

Purchase of Redevelopment Site
Land Term - $2,500,000
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Purchase of Redevelopment Site
Purchase of Redevelopment Site
Land Term - $2,500,000

1st Mortgage Term Loan on a Redevelopment Site in Toronto, ON.

The purchase of this redevelopment site will allow our borrower to bring new residential units into the neighbourhood.

Show Home Construction
Construction - $350,000
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Show Home Construction
Show Home Construction
Construction - $350,000

1st Mortgage Construction Loan for a Show Home in Saskatoon, SK.

Once again, when our client’s credit union said NO to this additional build as it reached its cap, we said YES! Moskowitz Capital helps entrepreneurs capture lucrative opportunities in real estate.

Pre-Sale Construction
Construction - $640,000
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Pre-Sale Construction
Pre-Sale Construction
Construction - $640,000

1st Mortgage Construction Loan for a Pre-Sold Single-Family Dwelling in Regina, SK.

When our client’s credit union said NO to this additional build as it reached its cap, we said YES! Moskowitz Capital helps entrepreneurs capture lucrative opportunities in real estate.

Vacant Commercial Property Purchase
Term - $365,000
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Vacant Commercial Property Purchase
Vacant Commercial Property Purchase
Term - $365,000

1st Mortgage Term Loan on a Vacant Commercial Building in Regina, SK.

A term loan for purchase of a 12,384 sq. ft. building, formerly a church. The client needed to purchase the property prior to finalizing construction plans.

Townhome Conversion to Condominium Ownership
Term - $1,665,000
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Townhome Conversion to Condominium Ownership
Townhome Conversion to Condominium Ownership
Term - $1,665,000

1st Mortgage Term Loan on a 10-Unit Townhome in Peterborough, ON.

When our client’s banker said NO to this condo conversion, we said YES! Moskowitz Capital helps entrepreneurs capture lucrative opportunities in real estate.

Commercial Refinance and Equity Takeout
Term - $625,000
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Commercial Refinance and Equity Takeout
Commercial Refinance and Equity Takeout
Term - $625,000

1st Mortgage Term Loan on a Commercial Condo in Markham, ON.

Refinance and equity takeout loan on a 1,789 sq. ft. retail commercial condominium unit. Fund’s loan will retire all consumer debt, as well as provide working capital to purchase additional equipment.

Large Home Construction
Construction - $1,400,000
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Large Home Construction
Large Home Construction
Construction - $1,400,000

1st Mortgage Construction Loan on a Personal Residence in Outer Cove, NL.

Construction of a 9,461 sq. ft. personal residence just minutes outside of St. John’s, NL. Once the building is substantially complete, bank takeout financing will be available.

Commercial Building Purchase Financing
Term - $1,452,000
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Commercial Building Purchase Financing
Commercial Building Purchase Financing
Term - $1,452,000

1st Mortgage Term Loan on a Commercial Building in Toronto, ON.

The purchase of this landmark bank building allows our borrower to secure the cornerstone piece to its new development.

Three Pre-sold Duplexes
Construction - $1,200,000
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Three Pre-sold Duplexes
Three Pre-sold Duplexes
Construction - $1,200,000

1st Mortgage Construction Loan for Three Pre-sold Duplexes in Regina, SK.

Our third loan to this borrower provides construction financing on a cost-to-complete basis for three pre-sold duplexes. Being a reliable source of capital allows our borrowers to focus on building.

Inventory Loan
Term - $1,700,000
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Inventory Loan
Inventory Loan
Term - $1,700,000

1st Mortgage Inventory Loan for Eight Commercial Three Residential Condominium Units in Saskatoon, SK.

This successful builder required time to liquidate the balance of its residential and commercial condominium units. This loan is secured against eleven remaining units.

Development Land Purchase
Land Term - $980,000
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Development Land Purchase
Development Land Purchase
Land Term - $980,000

1st Mortgage Development Land Loan in Halifax, NS.

Our loan funds acquisition of 5.3 acres of raw commercial land in Halifax. The land will be serviced and improved with a commercial building to serve as the future home of Newbridge Academy, a sports-centric private school.

Complicated Renovation
Construction - $1,050,000
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Complicated Renovation
Complicated Renovation
Construction - $1,050,000

1st Mortgage Renovation Loan for Semi-Detached Dwelling in Toronto, ON.

An out of city borrower purchased the subject Toronto property from his family estate for the purpose of renovating and subsequently leasing. The property has been gutted and renovations are underway. Due to the borrower’s distant location from the subject property and the project being mid-construction, traditional sources of capital are unavailable.

Luxury Single-Family Dwelling
Term - $2,000,000
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Luxury Single-Family Dwelling
Luxury Single-Family Dwelling
Term - $2,000,000

1st Mortgage Term Loan on a Luxury Single-Family Dwelling in Toronto, ON.

This borrower had little on-paper supporting documentation. Our ‘know your borrower’ due diligence is hands-on and in-depth, and we concluded that this borrower met our traditional due diligence requirements.

Infill Spec Construction
Construction - $560,000
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Infill Spec Construction
Infill Spec Construction
Construction - $560,000

1st Mortgage Construction Loan for Three Single-Family Dwellings in Saskatoon, SK.

A local experienced realtor has entered the new construction market. Our funds will allow simultaneous construction of three homes, providing the borrower with the quickest route to capture the profit.

Pre-Construction Financing
Construction - $940,000
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Pre-Construction Financing
Pre-Construction Financing
Construction - $940,000

1st/2nd Mortgage Construction Loan in Halifax, NS.

Pre-bank financing for construction of a 103-unit mixed-use building while traditional bank financing is secured. Our loan will enable the borrower to continue work on the foundation until drawing down traditional bank financing and then will reduce the equity requirement.

 

Development Land Financing
Land Term - $725,000
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Development Land Financing
Development Land Financing
Land Term - $725,000

1st Mortgage Term Loan in Paradise, NL.

This building lot is soon to be developed with a multi-family building. Our client needed time to get its plans together and that is exactly what our loan provides.

Subdivision Spec Houses
Construction - $380,000
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Subdivision Spec Houses
Subdivision Spec Houses
Construction - $380,000

1st Mortgage Construction Financing For Two Neighbouring Single-Family Dwellings in Halifax, NS.

Construction of two speculative 1,800 sq. ft. single-family dwellings in Halifax, NS. The sponsors are an electrician and a contractor with decades of experience. The properties are well located in a new subdivision close to downtown Halifax.

Purchase Financing
Term - $2,250,000
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Purchase Financing
Purchase Financing
Term - $2,250,000

1st Mortgage Term Loan for a Single-Storey Multi-Unit Automotive and Retail Building in Whitby, ON.

The borrower made application to traditional sources of capital, however due to the tight closing time, these organizations were unable to react quickly enough.

Neighbouring Single-Family Dwelling Construction
Construction - $500,000
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Neighbouring Single-Family Dwelling Construction
Neighbouring Single-Family Dwelling Construction
Construction - $500,000

1st Mortgage Construction Financing For Two Neighbouring Single-Family Dwellings in Regina, SK.

An existing single-family dwelling was removed and the lot is being improved with two new two-story homes. Moskowitz Capital is proud to be a part of this project.

Inventory and Tenant Improvement Loan
Construction Term - $2,162,000
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Inventory and Tenant Improvement Loan
Inventory and Tenant Improvement Loan
Construction Term - $2,162,000

1st Mortgage Commercial Condominium Inventory Financing in Pilot Butte, SK.

Our financing allows the borrower to complete the building and provides time for units to be leased or sold.

Acquisition / Cost to Complete Financing
Construction Land Term - $790, 000
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Acquisition / Cost to Complete Financing
Acquisition / Cost to Complete Financing
Construction Land Term - $790, 000

1st Mortgage Building Lot Acquisition and Construction Financing in Regina, SK.

This builder had the opportunity to purchase five lots and needed capital to hold them. Construction financing will be provided as the builder requires. Our deal solves both our borrower’s short term and medium term goals.

Harbour Front Inventory Loan
Term - $1,050,000
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Harbour Front Inventory Loan
Harbour Front Inventory Loan
Term - $1,050,000

1st Mortgage Term Loan in Dartmouth, NS.

A seasoned borrower of ours required an inventory loan in order to complete soft costs on the next phase of its landmark development. Our financing will allow the borrower to move forward on this development with minimal delays, potentially saving it hundreds of thousands of dollars in the long run.

Funds to Complete Construction
Construction - $250,000
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Funds to Complete Construction
Funds to Complete Construction
Construction - $250,000

1st Mortgage Construction of a Single-Family Dwelling in Warman, SK.

The builder has self-financed this project to date, however needed capital to bring it to completion and market. Moskowitz Capital funding spec home construction allows our builders to focus on building and letting their product speak for itself.

Spec Construction Financing
Construction - $282,000
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Spec Construction Financing
Spec Construction Financing
Construction - $282,000

1st Mortgage Construction of a Single-Family Dwelling in Saskatoon, SK.

Moskowitz Capital provided construction financing on a cost-to-complete basis for this infill single-family dwelling. The borrower had self-financed to date and used our funds to complete construction. We pride ourselves at getting builders across the finish line.

Multiple Single-Family Construction
Construction - $550,000
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Multiple Single-Family Construction
Multiple Single-Family Construction
Construction - $550,000

1st Mortgage New Home Construction in Regina, SK.

This loan is to one of Regina’s larger home builders. Our funds will be used to construct two new inventory homes. Located in a desirable new subdivision, these homes are similar to the approximately 50 this builder constructs each year.

Infill Rental Construction
Construction - $280,000
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Infill Rental Construction
Infill Rental Construction
Construction - $280,000

1st Mortgage Duplex Construction in Regina, SK.

Construction of an infill rental duplex in Regina, SK. This is a build-for-self project taken on by the borrower who is a growing home builder.

Land for Residential Development
Land Term - $3,755,000
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Land for Residential Development
Land for Residential Development
Land Term - $3,755,000

1st Mortgage Land Held for Development in Halifax, NS.

This loan, to one of Halifax’s largest residential landlords, is to purchase nearly one acre of prestigious South Halifax residential lands for future development. Currently an older mansion, divided into four apartments, the plan is for the building to be torn down to allow for five high-end single-family dwellings.

Funds to Complete Construction
Construction - $1,500,000
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Funds to Complete Construction
Funds to Complete Construction
Construction - $1,500,000

1st Mortgage Condo Construction in Saskatoon, SK.

Our borrower needed funds to complete construction of this riverside condo development. Self-financed to date, our capital allowed the borrower to wrap up this project and move on to the next.

Land for Residential Development
Land Term - $625,000
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Land for Residential Development
Land for Residential Development
Land Term - $625,000

1st Mortgage Land Held for Development in Truro, NS.

Moskowitz Capital assisted the borrower in acquiring land from the Town of Truro to consolidate a site for future development of 70 residential units. Additional capital was also provided, allowing the borrower to obtain his equity contribution for a construction loan on a 6-unit townhouse building, financed by a conventional bank. This one loan unlocked two opportunities!

26 Single-Family and Semi-Detached Building Lots
Construction Land - $1,120,000
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26 Single-Family and Semi-Detached Building Lots
26 Single-Family and Semi-Detached Building Lots
Construction Land - $1,120,000

1st Mortgage Residential Land Development in Halifax, NS.

This family-owned developer is embarking on a 56 acre open-space land development in Upper Sackville. The use of proceeds is for road construction and site servicing of 26 bare-land condominium units (building lots). Once the lots are ready for construction, our borrower will be able to realize on the full potential of this land.

Pre-sold Build from an Experienced Builder
Construction - $3,000,000
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Pre-sold Build from an Experienced Builder
Pre-sold Build from an Experienced Builder
Construction - $3,000,000

1st Mortgage Infill Construction in Regina, SK.

Our borrower is one of Regina’s largest home builders. Funds will assist the borrower in the construction of a pre-sold single-family dwelling to a couple preapproved by the bank. Speed and assurance of funding are the reasons this borrower continues to use Moskowitz Capital.

Bridge Development Construction Loan
Construction - $2,000,000
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Bridge Development Construction Loan
Bridge Development Construction Loan
Construction - $2,000,000

2nd Mortgage Construction of 104-unit Apartment in Halifax, NS.

This 104-unit multi-family dwelling was under construction, however the bank’s sluggishness in providing the main construction facility would have caused on-site delays. Moskowitz Capital provided a $2,000,000 bridge loan to allow the developer to not skip a beat.

Commercial Property with Environmental Contamination
Term - $1,600,000
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Commercial Property with Environmental Contamination
Commercial Property with Environmental Contamination
Term - $1,600,000

1st Mortgage Term Loan on an Auto Centre in Guelph, ON.

The borrower, a tire dealer and automotive service shop, is securing its location after 25 years of leasing, via the purchase of the subject property. The property has environmental contamination for which a Risk Assessment has been submitted to the Ontario Ministry of the Environment, which at such time precludes it from conventional financing. Upon acceptance of the Risk Assessment, the property will be refinanced with a traditional lender.

New Home and Subdivision Lot Development Loan
Construction - $2,000,000
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New Home and Subdivision Lot Development Loan
New Home and Subdivision Lot Development Loan
Construction - $2,000,000

1st Mortgage Construction of Single-Family Dwellings in Saskatoon, SK.

The purpose of the loan, to one of Saskatoon’s promising developers, is to provide construction financing for three single-family dwellings (one pre-sold unit, one model home and one speculative build) and lot financing for seven single-family dwelling building lots in and around Saskatoon.

38-unit Townhome Construction Loan
Construction - $9,250,000
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38-unit Townhome Construction Loan
38-unit Townhome Construction Loan
Construction - $9,250,000

1st Mortgage Townhome Construction in Saskatoon, SK.

Our financing will be used to develop 38 townhomes in Saskatoon, SK, in multiple phases over a two-year period. This deal had competing offers to finance, from a bank and large mortgage investment corporation, however the borrower chose Moskowitz Capital due to its positive experiences with us.

14-unit Affordable Housing Construction Loan
Construction - $800,000
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14-unit Affordable Housing Construction Loan
14-unit Affordable Housing Construction Loan
Construction - $800,000

1st Mortgage Affordable Housing Construction in Holyrood, NL.

This repeat borrower needed financing for construction of fourteen two-bedroom government sponsored affordable rental housing units in Holyrood, NL. Understanding the intricacies of the government grant, Moskowitz Capital was able to provide a solution that worked alongside the government’s conditions and funding schedule.

Funds Utilized to Secure Property Prior to Future Redevelopment
Term - $525,000
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Funds Utilized to Secure Property Prior to Future Redevelopment
Funds Utilized to Secure Property Prior to Future Redevelopment
Term - $525,000

1st Mortgage Acquisition Loan in Ottawa, ON.

This professional Ottawa based developer has executed on many redevelopment projects to date. The property secured by this loan will be rezoned, demolished and improved with a multi-family building, netting the borrower a healthy profit.

Term Loan on a Four-Unit Multi-Family Property
Term - $1,175,000
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Term Loan on a Four-Unit Multi-Family Property
Term Loan on a Four-Unit Multi-Family Property
Term - $1,175,000

1st Mortgage Post-Construction Takeout Financing in Ottawa, ON.

The borrower used a variety of sources to finance the redevelopment of this multi-family building. Moskowitz Capital provided a term loan to reduce our borrowers’ cost of capital and give them time to lease up the premises. When the borrowers demonstrate consistent rental cash flow, the bank will fund our exit.

Rural Home Construction Loan
Construction - $300,000
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Rural Home Construction Loan
Rural Home Construction Loan
Construction - $300,000

1st Mortgage Rural Home Construction in Collingwood, ON.

This professional couple, who hired a builder to construct a new personal residence, chose to use Moskowitz Capital to finance the construction because of our quick response time, even though they had a bank option.

Funds Utilized for Construction of the Blue C while Traditional Bank Financing is Secured
Construction - $5,300,000
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Funds Utilized for Construction of the Blue C while Traditional Bank Financing is Secured
Funds Utilized for Construction of the Blue C while Traditional Bank Financing is Secured
Construction - $5,300,000

1st Mortgage Condo Construction in Dartmouth, NS.

Traditional lenders take time – time that well-known developer, Francis Fares, could not afford to waste. To keep his project on schedule, Fares told this story to the folks at Moskowitz Capital. ‘The ability of the team at Moskowitz Capital to listen to our request and respond quickly to meet our interim financing requirement allowed the pace of construction on the Blue C to continue unabated’ said Fares.

Mixed-Use Building Already Under Construction
Construction - $4,000,000
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Mixed-Use Building Already Under Construction
Mixed-Use Building Already Under Construction
Construction - $4,000,000

1st Mortgage Condo Construction in Saskatoon, SK.

Our borrower began construction of this 48-unit mixed-use condominium building prior to seeking financing. Our $4,000,000 got the borrower to the finish line, allowing it to capture the project’s profits.

Commercial Spec Build Already Underway
Construction - $2,500,000
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Commercial Spec Build Already Underway
Commercial Spec Build Already Underway
Construction - $2,500,000

1st Mortgage Commercial Building in Dartmouth, NS.

Construction financing for an 8-unit commercial condominium building was required to ensure there were no construction delays. Making sure construction never stalls is a high priority at Moskowitz Capital.

Harbourfront Condo Inventory Units
Term - $838,000
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Harbourfront Condo Inventory Units
Harbourfront Condo Inventory Units
Term - $838,000

1st Mortgage Condo Inventory Loan in Dartmouth, NS.

Our borrower required unlocking the equity in several inventory condo units held after it completed the construction of the building. Accessing the equity now allows the borrower to advance other construction projects, without the pressure to lower the selling prices of these units.

Harbourfront Land Held for Development
Land Term - $5,000,000
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Harbourfront Land Held for Development
Harbourfront Land Held for Development
Land Term - $5,000,000

1st Mortgage Preconstruction Land Loan in Dartmouth, NS.

Our borrower required unlocking the equity in these 19 acres of urban land held for development, allowing the borrower to focus on their near-term business, as well as securing the land for the long-term. This is our second deal with this borrower.

New Home and Subdivision Lot Inventory Term Loan
Term - $2,500,000
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New Home and Subdivision Lot Inventory Term Loan
New Home and Subdivision Lot Inventory Term Loan
Term - $2,500,000

1st Mortgage Inventory of Single-Family Dwellings in Halifax, NS.

One of Halifax’s largest home builders required working capital for its business. This loan is secured against seven model homes and 22 building lots in the Halifax Regional Municipality.

25-unit Condominium Construction and Land Acquisition Loan
Construction Land - $3,000,000
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25-unit Condominium Construction and Land Acquisition Loan
25-unit Condominium Construction and Land Acquisition Loan
Construction Land - $3,000,000

1st Mortgage Construction of a 25-unit Condo in Saint John, NB.

As part of the rejuvenation of downtown Saint John, our borrower is constructing 25 condominium units and required financing for both land acquisition and construction. Our loan will allow our client to get to the finish line faster than using traditional sources of capital, ensuring they capture the profits from this project. This is our fifth deal with this borrower.

Semi-Detached Construction and Subdivision Lots Held for Future Use
Construction - $640,000
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Semi-Detached Construction and Subdivision Lots Held for Future Use
Semi-Detached Construction and Subdivision Lots Held for Future Use
Construction - $640,000

1st Mortgage Construction of Semi-Detached Dwellings in Warman, SK.

This loan is for the purpose of constructing a speculative 1,458 sq. ft. per side semi-detached family dwelling in Warman, SK, a bedroom community to Saskatoon. The loan also provides funds to secure three single-family dwelling building lots in Warman for future use. The borrower is an experienced home building company who needed additional funding, alongside its current bank borrowing.

Construction and Term Loan of 9,100 SQ. FT. Retail Plaza
Land Term - $875,000
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Construction and Term Loan of 9,100 SQ. FT. Retail Plaza
Construction and Term Loan of 9,100 SQ. FT. Retail Plaza
Land Term - $875,000

1st Mortgage Term Loan for Retail Plaza in Clarenville, NL

Spec Construction of Seven Single-Family Dwellings
Construction - $1,500,000
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Spec Construction of Seven Single-Family Dwellings
Spec Construction of Seven Single-Family Dwellings
Construction - $1,500,000

1st Mortgage Construction of Seven Single-Family Dwellings in St. John’s, NL.

Our borrower required working capital to complete seven speculative single-family dwellings in and around St. John’s, NL that are at various stages of completion. Our loan will allow construction to progress as our borrower continues to market the properties.

Term Loan on Land Held for Development
Land Term - $4,500,000
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Term Loan on Land Held for Development
Term Loan on Land Held for Development
Land Term - $4,500,000

1st Mortgage Term Loan on Land Held for Development in Toronto, ON.

The loan is secured by nearly eight acres of land in a desirable location in Toronto, ON. The property is currently undergoing environmental remediation prior to being developed with commercial and residential towers.

Refinance on Mixed-Use Building and Single-Family Dwelling
Term - $175,000
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Refinance on Mixed-Use Building and Single-Family Dwelling
Refinance on Mixed-Use Building and Single-Family Dwelling
Term - $175,000

1st Mortgage Equity Take-Out on Mixed-Use and Single-family Dwellings in Annapolis Valley, NS.

Our borrower, a sole proprietor, needed working capital for his historic building restoration business. The borrower’s principal residence and mixed-use building are collateral for this loan.

Spec Construction of 12-unit Condominium
Construction - $2,070,000
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Spec Construction of 12-unit Condominium
Spec Construction of 12-unit Condominium
Construction - $2,070,000

1st Mortgage Construction of 12-unit Condo in Paradise, NL.

Our repeat borrower begun spec construction of a 12-unit residential condominium building, located in Paradise, NL, a suburb of St. John’s, prior to seeking financing. We provided $2,070,000 in first position for the land purchase and construction financing. Being able to build this building on spec as opposed to waiting for presales will allow our borrower to capture the profits months earlier.

Land Holding of Ten Serviced Lots
Land Term - $530,000
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Land Holding of Ten Serviced Lots
Land Holding of Ten Serviced Lots
Land Term - $530,000

1st Mortgage Land Holding of Ten Serviced Lots in Yorkton, SK.

Our repeat borrower secured good pricing on ten residential building lots in Yorkton, SK. A quick closing was required to capture this opportunity and due to this tight timeframe, no construction financing could be sought. We provided an inventory loan secured against these lots until the borrower can put together a package to seek construction financing. At that time, we will put forward an offer to finance either spec or presale construction.

Construction Loan for Three 6-Plexs
Construction - $1,700,000
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Construction Loan for Three 6-Plexs
Construction Loan for Three 6-Plexs
Construction - $1,700,000

1st Mortgage Construction of Three 6-plexs in Yorkton, SK.

Yorkton is currently experiencing strong demand for rental housing, due to in-migration attributed to Saskatchewan’s positive economic climate. Our borrower, who has captured similar opportunities in other regions, decided to build in Yorkton. Other lenders’ unfamiliarity with the local Saskatchewan markets were unable to match our competitive offering

Twenty-Four Home Subdivision Construction Loan
Construction - $5,000,000
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Twenty-Four Home Subdivision Construction Loan
Twenty-Four Home Subdivision Construction Loan
Construction - $5,000,000

1st Mortgage Construction of a 24 Home Subdivision in St. John’s, NL.

Often times the banks’ rigidity limits the growth and flexibility of a builder. From a single home to this entire 24 home St. John’s subdivision, Moskowitz Capital can provide construction financing. For this trusted client, we provided a significant portion of funds upfront to allow construction of all 24 homes simultaneously. Moskowitz Capital offers flexible draw schedules, charges only on funds advanced and works with brokers/builders to develop long term relationships.

Historic Saint John Commercial Building Term Loan
Term - $1,350,000
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Historic Saint John Commercial Building Term Loan
Historic Saint John Commercial Building Term Loan
Term - $1,350,000

1st Mortgage Commercial Term Loan in Saint John, NB.

Our borrower couldn’t obtain the required flexibility from his banker needed to facilitate an internal ownership change. Moskowitz Capital provided a first position mortgage, allowing the borrower to make the required ownership changes.

Forty-Eight Unit Apartment Building Construction Loan
Construction - $5,000,000
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Forty-Eight Unit Apartment Building Construction Loan
Forty-Eight Unit Apartment Building Construction Loan
Construction - $5,000,000

1st Mortgage Construction of a 48-unit Apartment in Dieppe, NB.

Our borrower was borrowing from banks on other properties, however required short-term funds of $5,000,000 to complete construction of a 48-unit apartment building. We are looking forward to repeat business with both the builder and mortgage broker.

Fifty-Two Unit Condo Bridge Construction Loan
Construction - $3,500,000
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Fifty-Two Unit Condo Bridge Construction Loan
Fifty-Two Unit Condo Bridge Construction Loan
Construction - $3,500,000

Construction/Bridge for 52-unit Condo in St. John’s, NL.

Our borrower started construction prior to solidifying financing from his bank. The bank’s slow approval process meant that our borrower would have to halt construction without an injection of outside capital. We provided a $3,500,000 facility to allow our borrower to continue building. Once the bank financing is in place, a portion of our loan will be repaid from the proceeds, with the remainder being postponed to second position until the condo units are sold.

Equity Take Out
Term - $1,085,000
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Equity Take Out
Equity Take Out
Term - $1,085,000

2nd Mortgage Equity Take Out from 18 Rental Condos in Regina, SK.

Equity take out from 18 rental residential condominium units for a down payment on the borrower’s latest construction project. We allowed our builder client to unlock the value in their current real estate, helping them capture an opportunity.

Purchase of Land Held for Development
Land Term - $300,000
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Purchase of Land Held for Development
Purchase of Land Held for Development
Land Term - $300,000

1st Mortgage Purchase of Land Held for Development in Mount Pearl, NL.

An experienced builder had an opportunity to purchase a vacant infill parcel of land in Mount Pearl, NL (suburb of St. John’s) being rezoned to medium density to accommodate construction of two, three-storey, 24 unit multi-residential buildings. Having a relationship with Moskowitz Capital, allowed our borrower to be the first builder in town to jump on this opportunity, knowing they had the financial backing.

Purchase of 8-Plex Rental
Term - $311,000
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Purchase of 8-Plex Rental
Purchase of 8-Plex Rental
Term - $311,000

1st Mortgage Purchase of 8-Plex Rental in Sudbury, ON.

A bank borrower needed higher risk capital to purchase his latest rental property. The property required minor upgrades and replacement of several tenants to qualify for more traditional financing. We helped our client capture an opportunity in real estate, by understanding the property and the needs of the local rental market.

Land Acquisition and Construction Loan
Construction Land - $3,000,000
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Land Acquisition and Construction Loan
Land Acquisition and Construction Loan
Construction Land - $3,000,000

Mortgage Construction Loan for 28 Homes in St. John’s, NL.

Moskowitz Capital provided land acquisition and construction financing for 28 new homes in and around St. John’s, NL. Working with Skymark Homes, one of the most experienced, financially sound and innovative home builders in St. John’s, was a desirable addition to our Atlantic Canadian portfolio. The revolving loan facility permits Skymark Homes to acquire new lands, allowing for a consistent construction schedule and sustained growth. The St. John’s housing market is growing and we see continued need for expansion capital for a variety of businesses.

Construction and Inventory Loan
Construction - $3,000,000
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Construction and Inventory Loan
Construction and Inventory Loan
Construction - $3,000,000

1st Mortgage Construction and Inventory Loan Multiple Apartment Buildings and Houses in Moncton, NB.

An active builder in the Moncton region required funds to complete construction on a 31-unit apartment building as well as finance unsold inventory on several semi-detached homes. The working capital Moskowitz Capital was able to provide allowed the builder to meet his payables and continue to focus on growing the business.

Multi-Family Housing
Term - $420,000
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Multi-Family Housing
Multi-Family Housing
Term - $420,000

Mortgage Residential Loan Multi-Family in Yorkton, SK.

The borrower, a property developer and owner of over 20 rental houses, bought and renovated a six-unit apartment building with the intention of converting it to condos. To date, two of the six units have been sold and the borrower has decided to hold and lease the remaining four. Our first mortgage takes out the bank’s construction loan and provides the borrower equity to continue to grow his property portfolio. Yorkton is located 200km from Regina, with a population of 17,000.

Renovation Loan
Construction - $200,000
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Renovation Loan
Renovation Loan
Construction - $200,000

1st Mortgage Renovation Loan Commercial/Residential Building in St. John’s, NL.

A long term owner of a historic commercial/residential building decided it was now time to renovate, bringing the condition of the premises up to modern standards. Through a mortgage broker, Moskowitz Capital provided a term loan to give the owner enough working capital to complete the full renovations and focus on obtaining tenants. As an active lender in St. John’s, Moskowitz Capital knew the area and were able to quickly provide a ‘yes’, allowing the owner to stay on schedule.

Construction of 5 Townhomes
Construction - $1,200,000
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Construction of 5 Townhomes
Construction of 5 Townhomes
Construction - $1,200,000

1st Mortgage Construction Loan 5 Townhomes in St. John’s, NL.

A past borrower was looking to fund their newest spec 5 unit townhome project in downtown St. John’s. Their plan was to secure financing from a local hardware store. We showed the builder the savings achieved with a Moskowitz Capital mortgage over the hardware store financing and the builder happily switched their plan. In addition to the financing savings, the builder gained flexibility to shop around for construction materials from various suppliers, likely reducing their costs even further.

Short-Term Stay
Construction - $340,000
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Short-Term Stay
Short-Term Stay
Construction - $340,000

1st Mortgage Purchase and Improvements Loan Short-Term Stay in Grand Falls – Windsor, NL.

Our borrower, an Atlantic Canadian couple currently working in Alberta, is investing in short-term stay housing to generate equity and income for retirement. Short term stay properties often fall outside of traditional lenders’ comfort zones. Moskowitz Capital provided funding for both the purchase and renovation at 75% of the purchase price plus improvements at 11%, interest only and a 2.5% Lender Fee. The building’s cash on cash return before our mortgage payment was 26%! Once the renovation is complete the borrower will graduate to a conventional lender. In the interim we helped this borrower capture a fantastic opportunity.

Spec Home Construction
Construction - $220,000
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Spec Home Construction
Spec Home Construction
Construction - $220,000

1st Mortgage Construction Loan Spec Home in Moncton, NB.

A first time home builder, who has a long-term government job and good credit, was looking to capture an opportunity in his local housing market. We provided construction financing on a draw basis for his first build.

Multi-Family ETO
Term - $550,000
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Multi-Family ETO
Multi-Family ETO
Term - $550,000

1st Mortgage Residential Loan Multi-Family ETO in St. John’s, NL.

Our borrower required equity to inject into his main business. He had 8-units in a condominium complex that were currently undergoing renovations and therefore were vacant. Moskowitz Capital knows the area and believed the borrower would be able to successfully lease up the units as renovations were completed and therefore provided the required equity.

Spec Home Construction
Construction - $310,000
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Spec Home Construction
Spec Home Construction
Construction - $310,000

1st Mortgage Construction Loan Spec Home in Swift Current, SK.

An experienced home builder required quick funds to complete a spec home in a new subdivision in Swift Current, Saskatchewan. The builder was financing construction costs with his consumer credit cards. Moskowitz Capital provided funding for land acquisition and house construction, which both lowered our borrower’s cost of capital and began to increase their Beacon score. At Moskowitz Capital, we believe when it comes to construction, it is important to build a relationship with a lender that can continue to provide financing as the builder grows. Our borrower believed this too.

10 Townhomes
Construction - $1,950,000
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10 Townhomes
10 Townhomes
Construction - $1,950,000

1st Mortgage Construction Loan Townhomes in Fredericton, NB.

A local experienced home builder faced a lucrative opportunity to build ten spec town homes in Fredericton. This frequent bank borrower needed funds quickly to capitalize on the market situation. Moskowitz Capital provided funding for land acquisition and house construction, in a timely manner at a competitive rate. At Moskowitz Capital, we believe, when it comes to spec construction, the builder must race to the finish line. If the borrower needed to wait for presales to take this deal to a bank, a significant amount of the profit would be lost. Our borrower believed this too.

Semi-Detached Family Dwelling
Construction - $645,000
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Semi-Detached Family Dwelling
Semi-Detached Family Dwelling
Construction - $645,000

1st Mortgage Construction Loan Semi-Detached in Ottawa, ON.

Moskowitz Capital funded this infill, semi-detached family dwelling, construction project in the heart of Ottawa. This builder worked his way up from a contractor, to renovator, to new home builder and required financing for his first spec home project.

Keele& Major Mack
Construction - $1,300,000
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Keele& Major Mack
Keele& Major Mack
Construction - $1,300,000

1st Mortgage Construction Loan Retail Plaza in Maple, ON.

Construction financing on a cost to complete basis for a 8,505sf building comprising of a 2 and 3 storey office/retail plaza.

Student Housing
Construction - $1,500,000
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Student Housing
Student Housing
Construction - $1,500,000

1st Mortgage Construction Loan Student Housing in Sackville, NB.

Our client, a first time builder who understood the needs of his community, was unable to obtain the necessary financing to proceed with his project of creating a 50+ bed student housing complex. After meeting our perspective borrower and understanding the project plans, Moskowitz Capital was able to provide complete construction financing. Since the initial project, Moskowitz Capital has helped the borrower by financing two similar projects.

Spec Inventory Loan
Term - $435,000
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Spec Inventory Loan
Spec Inventory Loan
Term - $435,000

1st Mortgage Inventory Loan Spec Homes in Dundurn, SK.

Our client, a father/son building company from Saskatchewan, was facing a quiet winter real estate market, leaving them with several unsold spec homes. They were borrowing $435,000 at 15% from a private Alberta lender. Moskowitz Capital was able to lower the builder’s cost of capital and free up equity, by offering an interest only loan at 8.99%. This greatly helped our client’s cash flow and profitability during the slow winter months.

Helping Build a Community
Term - $1,600,000
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Helping Build a Community
Helping Build a Community
Term - $1,600,000

1st Mortgage Construction Loan Student Housing in Sackville, NB.

Having funded the builder’s first construction project, Moskowitz Capital loaned the funds needed to purchase the raw land required to expand the builder’s business.

Waterfront Cottage
Term - $600,000
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Waterfront Cottage
Waterfront Cottage
Term - $600,000

2nd Mortgage Waterfront Cottage in Gravenhurst, ON.

Our borrower needed to utilize the built up equity in his waterfront cottage property. The loan allowed the cottage owner to capture a lucrative opportunity that far exceeded the cost of capital.

Subdivision Development
Construction - $1,500,000
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Subdivision Development
Subdivision Development
Construction - $1,500,000

1st Mortgage Developer Loan in Westgate, Saint John, NB.

Moskowitz Capital funded the construction of 14 homes in a new subdivision. Since the initial project, Moskowitz Capital has provided funds twice more for additional developments.

Classic Nova Scotia house
Term - $142,000
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Classic Nova Scotia house
Classic Nova Scotia house
Term - $142,000

1st Mortgage Term Loan Income Property in Kentville, NS.

This classic Nova Scotia house was divided into four rental units. The funds we provided helped the owner build a second source of income.

Inventory Financing
Term - $1,020,000
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Inventory Financing
Inventory Financing
Term - $1,020,000

1st Mortgage Term Loan on Stacked Townhouse Units in Saskatoon, SK.

This inventory loan is secured against multiple stacked townhouse units. The borrower completed development of the subject property and sold out the balance of units.

Purchase of Redevelopment Site
Land Term - $2,500,000
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Purchase of Redevelopment Site
Purchase of Redevelopment Site
Land Term - $2,500,000

1st Mortgage Term Loan on a Redevelopment Site in Toronto, ON.

The purchase of this redevelopment site will allow our borrower to bring new residential units into the neighbourhood.

Show Home Construction
Construction - $350,000
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Show Home Construction
Show Home Construction
Construction - $350,000

1st Mortgage Construction Loan for a Show Home in Saskatoon, SK.

Once again, when our client’s credit union said NO to this additional build as it reached its cap, we said YES! Moskowitz Capital helps entrepreneurs capture lucrative opportunities in real estate.

Pre-Sale Construction
Construction - $640,000
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Pre-Sale Construction
Pre-Sale Construction
Construction - $640,000

1st Mortgage Construction Loan for a Pre-Sold Single-Family Dwelling in Regina, SK.

When our client’s credit union said NO to this additional build as it reached its cap, we said YES! Moskowitz Capital helps entrepreneurs capture lucrative opportunities in real estate.

Vacant Commercial Property Purchase
Term - $365,000
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Vacant Commercial Property Purchase
Vacant Commercial Property Purchase
Term - $365,000

1st Mortgage Term Loan on a Vacant Commercial Building in Regina, SK.

A term loan for purchase of a 12,384 sq. ft. building, formerly a church. The client needed to purchase the property prior to finalizing construction plans.

Townhome Conversion to Condominium Ownership
Term - $1,665,000
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Townhome Conversion to Condominium Ownership
Townhome Conversion to Condominium Ownership
Term - $1,665,000

1st Mortgage Term Loan on a 10-Unit Townhome in Peterborough, ON.

When our client’s banker said NO to this condo conversion, we said YES! Moskowitz Capital helps entrepreneurs capture lucrative opportunities in real estate.

Commercial Refinance and Equity Takeout
Term - $625,000
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Commercial Refinance and Equity Takeout
Commercial Refinance and Equity Takeout
Term - $625,000

1st Mortgage Term Loan on a Commercial Condo in Markham, ON.

Refinance and equity takeout loan on a 1,789 sq. ft. retail commercial condominium unit. Fund’s loan will retire all consumer debt, as well as provide working capital to purchase additional equipment.

Large Home Construction
Construction - $1,400,000
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Large Home Construction
Large Home Construction
Construction - $1,400,000

1st Mortgage Construction Loan on a Personal Residence in Outer Cove, NL.

Construction of a 9,461 sq. ft. personal residence just minutes outside of St. John’s, NL. Once the building is substantially complete, bank takeout financing will be available.

Commercial Building Purchase Financing
Term - $1,452,000
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Commercial Building Purchase Financing
Commercial Building Purchase Financing
Term - $1,452,000

1st Mortgage Term Loan on a Commercial Building in Toronto, ON.

The purchase of this landmark bank building allows our borrower to secure the cornerstone piece to its new development.

Three Pre-sold Duplexes
Construction - $1,200,000
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Three Pre-sold Duplexes
Three Pre-sold Duplexes
Construction - $1,200,000

1st Mortgage Construction Loan for Three Pre-sold Duplexes in Regina, SK.

Our third loan to this borrower provides construction financing on a cost-to-complete basis for three pre-sold duplexes. Being a reliable source of capital allows our borrowers to focus on building.

Inventory Loan
Term - $1,700,000
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Inventory Loan
Inventory Loan
Term - $1,700,000

1st Mortgage Inventory Loan for Eight Commercial Three Residential Condominium Units in Saskatoon, SK.

This successful builder required time to liquidate the balance of its residential and commercial condominium units. This loan is secured against eleven remaining units.

Development Land Purchase
Land Term - $980,000
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Development Land Purchase
Development Land Purchase
Land Term - $980,000

1st Mortgage Development Land Loan in Halifax, NS.

Our loan funds acquisition of 5.3 acres of raw commercial land in Halifax. The land will be serviced and improved with a commercial building to serve as the future home of Newbridge Academy, a sports-centric private school.

Complicated Renovation
Construction - $1,050,000
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Complicated Renovation
Complicated Renovation
Construction - $1,050,000

1st Mortgage Renovation Loan for Semi-Detached Dwelling in Toronto, ON.

An out of city borrower purchased the subject Toronto property from his family estate for the purpose of renovating and subsequently leasing. The property has been gutted and renovations are underway. Due to the borrower’s distant location from the subject property and the project being mid-construction, traditional sources of capital are unavailable.

Luxury Single-Family Dwelling
Term - $2,000,000
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Luxury Single-Family Dwelling
Luxury Single-Family Dwelling
Term - $2,000,000

1st Mortgage Term Loan on a Luxury Single-Family Dwelling in Toronto, ON.

This borrower had little on-paper supporting documentation. Our ‘know your borrower’ due diligence is hands-on and in-depth, and we concluded that this borrower met our traditional due diligence requirements.

Infill Spec Construction
Construction - $560,000
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Infill Spec Construction
Infill Spec Construction
Construction - $560,000

1st Mortgage Construction Loan for Three Single-Family Dwellings in Saskatoon, SK.

A local experienced realtor has entered the new construction market. Our funds will allow simultaneous construction of three homes, providing the borrower with the quickest route to capture the profit.

Pre-Construction Financing
Construction - $940,000
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Pre-Construction Financing
Pre-Construction Financing
Construction - $940,000

1st/2nd Mortgage Construction Loan in Halifax, NS.

Pre-bank financing for construction of a 103-unit mixed-use building while traditional bank financing is secured. Our loan will enable the borrower to continue work on the foundation until drawing down traditional bank financing and then will reduce the equity requirement.

 

Development Land Financing
Land Term - $725,000
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Development Land Financing
Development Land Financing
Land Term - $725,000

1st Mortgage Term Loan in Paradise, NL.

This building lot is soon to be developed with a multi-family building. Our client needed time to get its plans together and that is exactly what our loan provides.

Subdivision Spec Houses
Construction - $380,000
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Subdivision Spec Houses
Subdivision Spec Houses
Construction - $380,000

1st Mortgage Construction Financing For Two Neighbouring Single-Family Dwellings in Halifax, NS.

Construction of two speculative 1,800 sq. ft. single-family dwellings in Halifax, NS. The sponsors are an electrician and a contractor with decades of experience. The properties are well located in a new subdivision close to downtown Halifax.

Purchase Financing
Term - $2,250,000
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Purchase Financing
Purchase Financing
Term - $2,250,000

1st Mortgage Term Loan for a Single-Storey Multi-Unit Automotive and Retail Building in Whitby, ON.

The borrower made application to traditional sources of capital, however due to the tight closing time, these organizations were unable to react quickly enough.

Neighbouring Single-Family Dwelling Construction
Construction - $500,000
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Neighbouring Single-Family Dwelling Construction
Neighbouring Single-Family Dwelling Construction
Construction - $500,000

1st Mortgage Construction Financing For Two Neighbouring Single-Family Dwellings in Regina, SK.

An existing single-family dwelling was removed and the lot is being improved with two new two-story homes. Moskowitz Capital is proud to be a part of this project.

Inventory and Tenant Improvement Loan
Construction Term - $2,162,000
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Inventory and Tenant Improvement Loan
Inventory and Tenant Improvement Loan
Construction Term - $2,162,000

1st Mortgage Commercial Condominium Inventory Financing in Pilot Butte, SK.

Our financing allows the borrower to complete the building and provides time for units to be leased or sold.

Acquisition / Cost to Complete Financing
Construction Land Term - $790, 000
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Acquisition / Cost to Complete Financing
Acquisition / Cost to Complete Financing
Construction Land Term - $790, 000

1st Mortgage Building Lot Acquisition and Construction Financing in Regina, SK.

This builder had the opportunity to purchase five lots and needed capital to hold them. Construction financing will be provided as the builder requires. Our deal solves both our borrower’s short term and medium term goals.

Harbour Front Inventory Loan
Term - $1,050,000
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Harbour Front Inventory Loan
Harbour Front Inventory Loan
Term - $1,050,000

1st Mortgage Term Loan in Dartmouth, NS.

A seasoned borrower of ours required an inventory loan in order to complete soft costs on the next phase of its landmark development. Our financing will allow the borrower to move forward on this development with minimal delays, potentially saving it hundreds of thousands of dollars in the long run.

Funds to Complete Construction
Construction - $250,000
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Funds to Complete Construction
Funds to Complete Construction
Construction - $250,000

1st Mortgage Construction of a Single-Family Dwelling in Warman, SK.

The builder has self-financed this project to date, however needed capital to bring it to completion and market. Moskowitz Capital funding spec home construction allows our builders to focus on building and letting their product speak for itself.

Spec Construction Financing
Construction - $282,000
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Spec Construction Financing
Spec Construction Financing
Construction - $282,000

1st Mortgage Construction of a Single-Family Dwelling in Saskatoon, SK.

Moskowitz Capital provided construction financing on a cost-to-complete basis for this infill single-family dwelling. The borrower had self-financed to date and used our funds to complete construction. We pride ourselves at getting builders across the finish line.

Multiple Single-Family Construction
Construction - $550,000
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Multiple Single-Family Construction
Multiple Single-Family Construction
Construction - $550,000

1st Mortgage New Home Construction in Regina, SK.

This loan is to one of Regina’s larger home builders. Our funds will be used to construct two new inventory homes. Located in a desirable new subdivision, these homes are similar to the approximately 50 this builder constructs each year.

Infill Rental Construction
Construction - $280,000
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Infill Rental Construction
Infill Rental Construction
Construction - $280,000

1st Mortgage Duplex Construction in Regina, SK.

Construction of an infill rental duplex in Regina, SK. This is a build-for-self project taken on by the borrower who is a growing home builder.

Land for Residential Development
Land Term - $3,755,000
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Land for Residential Development
Land for Residential Development
Land Term - $3,755,000

1st Mortgage Land Held for Development in Halifax, NS.

This loan, to one of Halifax’s largest residential landlords, is to purchase nearly one acre of prestigious South Halifax residential lands for future development. Currently an older mansion, divided into four apartments, the plan is for the building to be torn down to allow for five high-end single-family dwellings.

Funds to Complete Construction
Construction - $1,500,000
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Funds to Complete Construction
Funds to Complete Construction
Construction - $1,500,000

1st Mortgage Condo Construction in Saskatoon, SK.

Our borrower needed funds to complete construction of this riverside condo development. Self-financed to date, our capital allowed the borrower to wrap up this project and move on to the next.

Land for Residential Development
Land Term - $625,000
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Land for Residential Development
Land for Residential Development
Land Term - $625,000

1st Mortgage Land Held for Development in Truro, NS.

Moskowitz Capital assisted the borrower in acquiring land from the Town of Truro to consolidate a site for future development of 70 residential units. Additional capital was also provided, allowing the borrower to obtain his equity contribution for a construction loan on a 6-unit townhouse building, financed by a conventional bank. This one loan unlocked two opportunities!

26 Single-Family and Semi-Detached Building Lots
Construction Land - $1,120,000
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26 Single-Family and Semi-Detached Building Lots
26 Single-Family and Semi-Detached Building Lots
Construction Land - $1,120,000

1st Mortgage Residential Land Development in Halifax, NS.

This family-owned developer is embarking on a 56 acre open-space land development in Upper Sackville. The use of proceeds is for road construction and site servicing of 26 bare-land condominium units (building lots). Once the lots are ready for construction, our borrower will be able to realize on the full potential of this land.

Pre-sold Build from an Experienced Builder
Construction - $3,000,000
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Pre-sold Build from an Experienced Builder
Pre-sold Build from an Experienced Builder
Construction - $3,000,000

1st Mortgage Infill Construction in Regina, SK.

Our borrower is one of Regina’s largest home builders. Funds will assist the borrower in the construction of a pre-sold single-family dwelling to a couple preapproved by the bank. Speed and assurance of funding are the reasons this borrower continues to use Moskowitz Capital.

Bridge Development Construction Loan
Construction - $2,000,000
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Bridge Development Construction Loan
Bridge Development Construction Loan
Construction - $2,000,000

2nd Mortgage Construction of 104-unit Apartment in Halifax, NS.

This 104-unit multi-family dwelling was under construction, however the bank’s sluggishness in providing the main construction facility would have caused on-site delays. Moskowitz Capital provided a $2,000,000 bridge loan to allow the developer to not skip a beat.

Commercial Property with Environmental Contamination
Term - $1,600,000
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Commercial Property with Environmental Contamination
Commercial Property with Environmental Contamination
Term - $1,600,000

1st Mortgage Term Loan on an Auto Centre in Guelph, ON.

The borrower, a tire dealer and automotive service shop, is securing its location after 25 years of leasing, via the purchase of the subject property. The property has environmental contamination for which a Risk Assessment has been submitted to the Ontario Ministry of the Environment, which at such time precludes it from conventional financing. Upon acceptance of the Risk Assessment, the property will be refinanced with a traditional lender.

New Home and Subdivision Lot Development Loan
Construction - $2,000,000
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New Home and Subdivision Lot Development Loan
New Home and Subdivision Lot Development Loan
Construction - $2,000,000

1st Mortgage Construction of Single-Family Dwellings in Saskatoon, SK.

The purpose of the loan, to one of Saskatoon’s promising developers, is to provide construction financing for three single-family dwellings (one pre-sold unit, one model home and one speculative build) and lot financing for seven single-family dwelling building lots in and around Saskatoon.

38-unit Townhome Construction Loan
Construction - $9,250,000
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38-unit Townhome Construction Loan
38-unit Townhome Construction Loan
Construction - $9,250,000

1st Mortgage Townhome Construction in Saskatoon, SK.

Our financing will be used to develop 38 townhomes in Saskatoon, SK, in multiple phases over a two-year period. This deal had competing offers to finance, from a bank and large mortgage investment corporation, however the borrower chose Moskowitz Capital due to its positive experiences with us.

14-unit Affordable Housing Construction Loan
Construction - $800,000
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14-unit Affordable Housing Construction Loan
14-unit Affordable Housing Construction Loan
Construction - $800,000

1st Mortgage Affordable Housing Construction in Holyrood, NL.

This repeat borrower needed financing for construction of fourteen two-bedroom government sponsored affordable rental housing units in Holyrood, NL. Understanding the intricacies of the government grant, Moskowitz Capital was able to provide a solution that worked alongside the government’s conditions and funding schedule.

Funds Utilized to Secure Property Prior to Future Redevelopment
Term - $525,000
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Funds Utilized to Secure Property Prior to Future Redevelopment
Funds Utilized to Secure Property Prior to Future Redevelopment
Term - $525,000

1st Mortgage Acquisition Loan in Ottawa, ON.

This professional Ottawa based developer has executed on many redevelopment projects to date. The property secured by this loan will be rezoned, demolished and improved with a multi-family building, netting the borrower a healthy profit.

Term Loan on a Four-Unit Multi-Family Property
Term - $1,175,000
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Term Loan on a Four-Unit Multi-Family Property
Term Loan on a Four-Unit Multi-Family Property
Term - $1,175,000

1st Mortgage Post-Construction Takeout Financing in Ottawa, ON.

The borrower used a variety of sources to finance the redevelopment of this multi-family building. Moskowitz Capital provided a term loan to reduce our borrowers’ cost of capital and give them time to lease up the premises. When the borrowers demonstrate consistent rental cash flow, the bank will fund our exit.

Rural Home Construction Loan
Construction - $300,000
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Rural Home Construction Loan
Rural Home Construction Loan
Construction - $300,000

1st Mortgage Rural Home Construction in Collingwood, ON.

This professional couple, who hired a builder to construct a new personal residence, chose to use Moskowitz Capital to finance the construction because of our quick response time, even though they had a bank option.

Funds Utilized for Construction of the Blue C while Traditional Bank Financing is Secured
Construction - $5,300,000
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Funds Utilized for Construction of the Blue C while Traditional Bank Financing is Secured
Funds Utilized for Construction of the Blue C while Traditional Bank Financing is Secured
Construction - $5,300,000

1st Mortgage Condo Construction in Dartmouth, NS.

Traditional lenders take time – time that well-known developer, Francis Fares, could not afford to waste. To keep his project on schedule, Fares told this story to the folks at Moskowitz Capital. ‘The ability of the team at Moskowitz Capital to listen to our request and respond quickly to meet our interim financing requirement allowed the pace of construction on the Blue C to continue unabated’ said Fares.

Mixed-Use Building Already Under Construction
Construction - $4,000,000
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Mixed-Use Building Already Under Construction
Mixed-Use Building Already Under Construction
Construction - $4,000,000

1st Mortgage Condo Construction in Saskatoon, SK.

Our borrower began construction of this 48-unit mixed-use condominium building prior to seeking financing. Our $4,000,000 got the borrower to the finish line, allowing it to capture the project’s profits.

Commercial Spec Build Already Underway
Construction - $2,500,000
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Commercial Spec Build Already Underway
Commercial Spec Build Already Underway
Construction - $2,500,000

1st Mortgage Commercial Building in Dartmouth, NS.

Construction financing for an 8-unit commercial condominium building was required to ensure there were no construction delays. Making sure construction never stalls is a high priority at Moskowitz Capital.

Harbourfront Condo Inventory Units
Term - $838,000
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Harbourfront Condo Inventory Units
Harbourfront Condo Inventory Units
Term - $838,000

1st Mortgage Condo Inventory Loan in Dartmouth, NS.

Our borrower required unlocking the equity in several inventory condo units held after it completed the construction of the building. Accessing the equity now allows the borrower to advance other construction projects, without the pressure to lower the selling prices of these units.

Harbourfront Land Held for Development
Land Term - $5,000,000
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Harbourfront Land Held for Development
Harbourfront Land Held for Development
Land Term - $5,000,000

1st Mortgage Preconstruction Land Loan in Dartmouth, NS.

Our borrower required unlocking the equity in these 19 acres of urban land held for development, allowing the borrower to focus on their near-term business, as well as securing the land for the long-term. This is our second deal with this borrower.

New Home and Subdivision Lot Inventory Term Loan
Term - $2,500,000
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New Home and Subdivision Lot Inventory Term Loan
New Home and Subdivision Lot Inventory Term Loan
Term - $2,500,000

1st Mortgage Inventory of Single-Family Dwellings in Halifax, NS.

One of Halifax’s largest home builders required working capital for its business. This loan is secured against seven model homes and 22 building lots in the Halifax Regional Municipality.

25-unit Condominium Construction and Land Acquisition Loan
Construction Land - $3,000,000
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25-unit Condominium Construction and Land Acquisition Loan
25-unit Condominium Construction and Land Acquisition Loan
Construction Land - $3,000,000

1st Mortgage Construction of a 25-unit Condo in Saint John, NB.

As part of the rejuvenation of downtown Saint John, our borrower is constructing 25 condominium units and required financing for both land acquisition and construction. Our loan will allow our client to get to the finish line faster than using traditional sources of capital, ensuring they capture the profits from this project. This is our fifth deal with this borrower.

Semi-Detached Construction and Subdivision Lots Held for Future Use
Construction - $640,000
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Semi-Detached Construction and Subdivision Lots Held for Future Use
Semi-Detached Construction and Subdivision Lots Held for Future Use
Construction - $640,000

1st Mortgage Construction of Semi-Detached Dwellings in Warman, SK.

This loan is for the purpose of constructing a speculative 1,458 sq. ft. per side semi-detached family dwelling in Warman, SK, a bedroom community to Saskatoon. The loan also provides funds to secure three single-family dwelling building lots in Warman for future use. The borrower is an experienced home building company who needed additional funding, alongside its current bank borrowing.

Construction and Term Loan of 9,100 SQ. FT. Retail Plaza
Land Term - $875,000
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Construction and Term Loan of 9,100 SQ. FT. Retail Plaza
Construction and Term Loan of 9,100 SQ. FT. Retail Plaza
Land Term - $875,000

1st Mortgage Term Loan for Retail Plaza in Clarenville, NL

Spec Construction of Seven Single-Family Dwellings
Construction - $1,500,000
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Spec Construction of Seven Single-Family Dwellings
Spec Construction of Seven Single-Family Dwellings
Construction - $1,500,000

1st Mortgage Construction of Seven Single-Family Dwellings in St. John’s, NL.

Our borrower required working capital to complete seven speculative single-family dwellings in and around St. John’s, NL that are at various stages of completion. Our loan will allow construction to progress as our borrower continues to market the properties.

Term Loan on Land Held for Development
Land Term - $4,500,000
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Term Loan on Land Held for Development
Term Loan on Land Held for Development
Land Term - $4,500,000

1st Mortgage Term Loan on Land Held for Development in Toronto, ON.

The loan is secured by nearly eight acres of land in a desirable location in Toronto, ON. The property is currently undergoing environmental remediation prior to being developed with commercial and residential towers.

Refinance on Mixed-Use Building and Single-Family Dwelling
Term - $175,000
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Refinance on Mixed-Use Building and Single-Family Dwelling
Refinance on Mixed-Use Building and Single-Family Dwelling
Term - $175,000

1st Mortgage Equity Take-Out on Mixed-Use and Single-family Dwellings in Annapolis Valley, NS.

Our borrower, a sole proprietor, needed working capital for his historic building restoration business. The borrower’s principal residence and mixed-use building are collateral for this loan.

Spec Construction of 12-unit Condominium
Construction - $2,070,000
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Spec Construction of 12-unit Condominium
Spec Construction of 12-unit Condominium
Construction - $2,070,000

1st Mortgage Construction of 12-unit Condo in Paradise, NL.

Our repeat borrower begun spec construction of a 12-unit residential condominium building, located in Paradise, NL, a suburb of St. John’s, prior to seeking financing. We provided $2,070,000 in first position for the land purchase and construction financing. Being able to build this building on spec as opposed to waiting for presales will allow our borrower to capture the profits months earlier.

Land Holding of Ten Serviced Lots
Land Term - $530,000
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Land Holding of Ten Serviced Lots
Land Holding of Ten Serviced Lots
Land Term - $530,000

1st Mortgage Land Holding of Ten Serviced Lots in Yorkton, SK.

Our repeat borrower secured good pricing on ten residential building lots in Yorkton, SK. A quick closing was required to capture this opportunity and due to this tight timeframe, no construction financing could be sought. We provided an inventory loan secured against these lots until the borrower can put together a package to seek construction financing. At that time, we will put forward an offer to finance either spec or presale construction.

Construction Loan for Three 6-Plexs
Construction - $1,700,000
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Construction Loan for Three 6-Plexs
Construction Loan for Three 6-Plexs
Construction - $1,700,000

1st Mortgage Construction of Three 6-plexs in Yorkton, SK.

Yorkton is currently experiencing strong demand for rental housing, due to in-migration attributed to Saskatchewan’s positive economic climate. Our borrower, who has captured similar opportunities in other regions, decided to build in Yorkton. Other lenders’ unfamiliarity with the local Saskatchewan markets were unable to match our competitive offering

Twenty-Four Home Subdivision Construction Loan
Construction - $5,000,000
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Twenty-Four Home Subdivision Construction Loan
Twenty-Four Home Subdivision Construction Loan
Construction - $5,000,000

1st Mortgage Construction of a 24 Home Subdivision in St. John’s, NL.

Often times the banks’ rigidity limits the growth and flexibility of a builder. From a single home to this entire 24 home St. John’s subdivision, Moskowitz Capital can provide construction financing. For this trusted client, we provided a significant portion of funds upfront to allow construction of all 24 homes simultaneously. Moskowitz Capital offers flexible draw schedules, charges only on funds advanced and works with brokers/builders to develop long term relationships.

Historic Saint John Commercial Building Term Loan
Term - $1,350,000
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Historic Saint John Commercial Building Term Loan
Historic Saint John Commercial Building Term Loan
Term - $1,350,000

1st Mortgage Commercial Term Loan in Saint John, NB.

Our borrower couldn’t obtain the required flexibility from his banker needed to facilitate an internal ownership change. Moskowitz Capital provided a first position mortgage, allowing the borrower to make the required ownership changes.

Forty-Eight Unit Apartment Building Construction Loan
Construction - $5,000,000
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Forty-Eight Unit Apartment Building Construction Loan
Forty-Eight Unit Apartment Building Construction Loan
Construction - $5,000,000

1st Mortgage Construction of a 48-unit Apartment in Dieppe, NB.

Our borrower was borrowing from banks on other properties, however required short-term funds of $5,000,000 to complete construction of a 48-unit apartment building. We are looking forward to repeat business with both the builder and mortgage broker.

Fifty-Two Unit Condo Bridge Construction Loan
Construction - $3,500,000
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Fifty-Two Unit Condo Bridge Construction Loan
Fifty-Two Unit Condo Bridge Construction Loan
Construction - $3,500,000

Construction/Bridge for 52-unit Condo in St. John’s, NL.

Our borrower started construction prior to solidifying financing from his bank. The bank’s slow approval process meant that our borrower would have to halt construction without an injection of outside capital. We provided a $3,500,000 facility to allow our borrower to continue building. Once the bank financing is in place, a portion of our loan will be repaid from the proceeds, with the remainder being postponed to second position until the condo units are sold.

Equity Take Out
Term - $1,085,000
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Equity Take Out
Equity Take Out
Term - $1,085,000

2nd Mortgage Equity Take Out from 18 Rental Condos in Regina, SK.

Equity take out from 18 rental residential condominium units for a down payment on the borrower’s latest construction project. We allowed our builder client to unlock the value in their current real estate, helping them capture an opportunity.

Purchase of Land Held for Development
Land Term - $300,000
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Purchase of Land Held for Development
Purchase of Land Held for Development
Land Term - $300,000

1st Mortgage Purchase of Land Held for Development in Mount Pearl, NL.

An experienced builder had an opportunity to purchase a vacant infill parcel of land in Mount Pearl, NL (suburb of St. John’s) being rezoned to medium density to accommodate construction of two, three-storey, 24 unit multi-residential buildings. Having a relationship with Moskowitz Capital, allowed our borrower to be the first builder in town to jump on this opportunity, knowing they had the financial backing.

Purchase of 8-Plex Rental
Term - $311,000
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Purchase of 8-Plex Rental
Purchase of 8-Plex Rental
Term - $311,000

1st Mortgage Purchase of 8-Plex Rental in Sudbury, ON.

A bank borrower needed higher risk capital to purchase his latest rental property. The property required minor upgrades and replacement of several tenants to qualify for more traditional financing. We helped our client capture an opportunity in real estate, by understanding the property and the needs of the local rental market.

Land Acquisition and Construction Loan
Construction Land - $3,000,000
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Land Acquisition and Construction Loan
Land Acquisition and Construction Loan
Construction Land - $3,000,000

Mortgage Construction Loan for 28 Homes in St. John’s, NL.

Moskowitz Capital provided land acquisition and construction financing for 28 new homes in and around St. John’s, NL. Working with Skymark Homes, one of the most experienced, financially sound and innovative home builders in St. John’s, was a desirable addition to our Atlantic Canadian portfolio. The revolving loan facility permits Skymark Homes to acquire new lands, allowing for a consistent construction schedule and sustained growth. The St. John’s housing market is growing and we see continued need for expansion capital for a variety of businesses.

Construction and Inventory Loan
Construction - $3,000,000
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Construction and Inventory Loan
Construction and Inventory Loan
Construction - $3,000,000

1st Mortgage Construction and Inventory Loan Multiple Apartment Buildings and Houses in Moncton, NB.

An active builder in the Moncton region required funds to complete construction on a 31-unit apartment building as well as finance unsold inventory on several semi-detached homes. The working capital Moskowitz Capital was able to provide allowed the builder to meet his payables and continue to focus on growing the business.

Multi-Family Housing
Term - $420,000
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Multi-Family Housing
Multi-Family Housing
Term - $420,000

Mortgage Residential Loan Multi-Family in Yorkton, SK.

The borrower, a property developer and owner of over 20 rental houses, bought and renovated a six-unit apartment building with the intention of converting it to condos. To date, two of the six units have been sold and the borrower has decided to hold and lease the remaining four. Our first mortgage takes out the bank’s construction loan and provides the borrower equity to continue to grow his property portfolio. Yorkton is located 200km from Regina, with a population of 17,000.

Renovation Loan
Construction - $200,000
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Renovation Loan
Renovation Loan
Construction - $200,000

1st Mortgage Renovation Loan Commercial/Residential Building in St. John’s, NL.

A long term owner of a historic commercial/residential building decided it was now time to renovate, bringing the condition of the premises up to modern standards. Through a mortgage broker, Moskowitz Capital provided a term loan to give the owner enough working capital to complete the full renovations and focus on obtaining tenants. As an active lender in St. John’s, Moskowitz Capital knew the area and were able to quickly provide a ‘yes’, allowing the owner to stay on schedule.

Construction of 5 Townhomes
Construction - $1,200,000
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Construction of 5 Townhomes
Construction of 5 Townhomes
Construction - $1,200,000

1st Mortgage Construction Loan 5 Townhomes in St. John’s, NL.

A past borrower was looking to fund their newest spec 5 unit townhome project in downtown St. John’s. Their plan was to secure financing from a local hardware store. We showed the builder the savings achieved with a Moskowitz Capital mortgage over the hardware store financing and the builder happily switched their plan. In addition to the financing savings, the builder gained flexibility to shop around for construction materials from various suppliers, likely reducing their costs even further.

Short-Term Stay
Construction - $340,000
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Short-Term Stay
Short-Term Stay
Construction - $340,000

1st Mortgage Purchase and Improvements Loan Short-Term Stay in Grand Falls – Windsor, NL.

Our borrower, an Atlantic Canadian couple currently working in Alberta, is investing in short-term stay housing to generate equity and income for retirement. Short term stay properties often fall outside of traditional lenders’ comfort zones. Moskowitz Capital provided funding for both the purchase and renovation at 75% of the purchase price plus improvements at 11%, interest only and a 2.5% Lender Fee. The building’s cash on cash return before our mortgage payment was 26%! Once the renovation is complete the borrower will graduate to a conventional lender. In the interim we helped this borrower capture a fantastic opportunity.

Spec Home Construction
Construction - $220,000
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Spec Home Construction
Spec Home Construction
Construction - $220,000

1st Mortgage Construction Loan Spec Home in Moncton, NB.

A first time home builder, who has a long-term government job and good credit, was looking to capture an opportunity in his local housing market. We provided construction financing on a draw basis for his first build.

Multi-Family ETO
Term - $550,000
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Multi-Family ETO
Multi-Family ETO
Term - $550,000

1st Mortgage Residential Loan Multi-Family ETO in St. John’s, NL.

Our borrower required equity to inject into his main business. He had 8-units in a condominium complex that were currently undergoing renovations and therefore were vacant. Moskowitz Capital knows the area and believed the borrower would be able to successfully lease up the units as renovations were completed and therefore provided the required equity.

Spec Home Construction
Construction - $310,000
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Spec Home Construction
Spec Home Construction
Construction - $310,000

1st Mortgage Construction Loan Spec Home in Swift Current, SK.

An experienced home builder required quick funds to complete a spec home in a new subdivision in Swift Current, Saskatchewan. The builder was financing construction costs with his consumer credit cards. Moskowitz Capital provided funding for land acquisition and house construction, which both lowered our borrower’s cost of capital and began to increase their Beacon score. At Moskowitz Capital, we believe when it comes to construction, it is important to build a relationship with a lender that can continue to provide financing as the builder grows. Our borrower believed this too.

10 Townhomes
Construction - $1,950,000
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10 Townhomes
10 Townhomes
Construction - $1,950,000

1st Mortgage Construction Loan Townhomes in Fredericton, NB.

A local experienced home builder faced a lucrative opportunity to build ten spec town homes in Fredericton. This frequent bank borrower needed funds quickly to capitalize on the market situation. Moskowitz Capital provided funding for land acquisition and house construction, in a timely manner at a competitive rate. At Moskowitz Capital, we believe, when it comes to spec construction, the builder must race to the finish line. If the borrower needed to wait for presales to take this deal to a bank, a significant amount of the profit would be lost. Our borrower believed this too.

Semi-Detached Family Dwelling
Construction - $645,000
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Semi-Detached Family Dwelling
Semi-Detached Family Dwelling
Construction - $645,000

1st Mortgage Construction Loan Semi-Detached in Ottawa, ON.

Moskowitz Capital funded this infill, semi-detached family dwelling, construction project in the heart of Ottawa. This builder worked his way up from a contractor, to renovator, to new home builder and required financing for his first spec home project.

Keele& Major Mack
Construction - $1,300,000
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Keele& Major Mack
Keele& Major Mack
Construction - $1,300,000

1st Mortgage Construction Loan Retail Plaza in Maple, ON.

Construction financing on a cost to complete basis for a 8,505sf building comprising of a 2 and 3 storey office/retail plaza.

Student Housing
Construction - $1,500,000
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Student Housing
Student Housing
Construction - $1,500,000

1st Mortgage Construction Loan Student Housing in Sackville, NB.

Our client, a first time builder who understood the needs of his community, was unable to obtain the necessary financing to proceed with his project of creating a 50+ bed student housing complex. After meeting our perspective borrower and understanding the project plans, Moskowitz Capital was able to provide complete construction financing. Since the initial project, Moskowitz Capital has helped the borrower by financing two similar projects.

Spec Inventory Loan
Term - $435,000
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Spec Inventory Loan
Spec Inventory Loan
Term - $435,000

1st Mortgage Inventory Loan Spec Homes in Dundurn, SK.

Our client, a father/son building company from Saskatchewan, was facing a quiet winter real estate market, leaving them with several unsold spec homes. They were borrowing $435,000 at 15% from a private Alberta lender. Moskowitz Capital was able to lower the builder’s cost of capital and free up equity, by offering an interest only loan at 8.99%. This greatly helped our client’s cash flow and profitability during the slow winter months.

Helping Build a Community
Term - $1,600,000
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Helping Build a Community
Helping Build a Community
Term - $1,600,000

1st Mortgage Construction Loan Student Housing in Sackville, NB.

Having funded the builder’s first construction project, Moskowitz Capital loaned the funds needed to purchase the raw land required to expand the builder’s business.

Waterfront Cottage
Term - $600,000
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Waterfront Cottage
Waterfront Cottage
Term - $600,000

2nd Mortgage Waterfront Cottage in Gravenhurst, ON.

Our borrower needed to utilize the built up equity in his waterfront cottage property. The loan allowed the cottage owner to capture a lucrative opportunity that far exceeded the cost of capital.

Subdivision Development
Construction - $1,500,000
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Subdivision Development
Subdivision Development
Construction - $1,500,000

1st Mortgage Developer Loan in Westgate, Saint John, NB.

Moskowitz Capital funded the construction of 14 homes in a new subdivision. Since the initial project, Moskowitz Capital has provided funds twice more for additional developments.

Classic Nova Scotia house
Term - $142,000
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Classic Nova Scotia house
Classic Nova Scotia house
Term - $142,000

1st Mortgage Term Loan Income Property in Kentville, NS.

This classic Nova Scotia house was divided into four rental units. The funds we provided helped the owner build a second source of income.

Why Choose us?
You deal directly with the decision makers
Time is money. We understand brokers need feedback on their deals quickly. That’s why we are committed to providing feedback within 24 hours. Why risk dealing with lenders that can’t make timely decisions?
You get an honest answer
It’s in our nature to be straight toward. Setting unrealistic expectations is just bad business. Neither of us have time to waste on deals that are not realistic. Our goal is to build a framework on what a deal will look like on closing day.
We deliver on our commitments
We pride ourselves on closing on every mortgage commitment we have issued, where the borrower wanted to go forward. We understand the importance of “closing day”.
We protect the broker
Our business is broker driven and therefore we protect your commission. We want our brokers to be successful and will work with you to satisfy your client relationships.
Our borrowers and brokers are highly successful
There is a common characteristic among our portfolio of borrowers and referring brokers – both groups are highly successful. They understand risk and reward and embrace more challenging deals in anticipation of greater returns. It’s this commonality that leads to quicker decision making, a wider variety of opportunities and ultimately more lucrative deals.

 

Tips for Getting a Deal Done
  1. Tell us the story
    Tell us the story behind the deal and how we can help. Fill in the gaps so that we can make a better lending decision.
  2. Send us a complete package
    Don’t forget to include a completed application, credit report and corporate financial statements. This ensures we can move quickly and efficiently in getting you an answer.
  3. Give us a call
    After you’ve submitted the application, call us to discuss the deal and talk about next steps. Involving the borrower, via a three-way conference call, often solidifies the deal.

 

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