Not in a fund, not in me, and not in a company you'd have to sue. You lend against one specific Ontario property and your name goes on its title.
I'm not going to quote you a return on a public web page. Anyone advertising a guaranteed rate to the public is either careless or worse, and in Ontario there are rules about it for good reasons. Here's the structure instead — judge it yourself.
A mortgage charge against the property, prepared by a real estate lawyer — yours if you want one, mine if you'd rather not.
Fire insurance lists you as loss payee. If the house burns, the cheque doesn't come to me alone.
The number that actually protects you. It matters more than the rate, which is why it's the one I'll talk about.
Structure, protections, real case studies, and blank copies of the paperwork you'd sign. Take it to your own lawyer and accountant.
Address, purchase price, my renovation budget line by line, and the after-repair value with the comps behind it.
Amount, term, how and when interest is paid, what happens at exit. All agreed in writing before funding — and walked through with you in person first.
The charge is registered. You're on title. Then the work starts.
Private lending can lose you money. Houses burn, markets turn, and renovations run over. Every protection on this page exists because those things happen — not because they don't. If someone tells you otherwise, walk away from them.
The packet does the work. If it doesn't convince you, nothing I say on a phone call should.