Earn real estate dollars. No tenants.

Rental investments got you down?

Rental investing can be costly and time-consuming. Morcado offers you a simpler alternative for Real Estate Investing.

Select curated high-yield mortgages from our investment platform, spreading out your funds for balanced returns and reduced risk exposure.

Leave the tenants behind. Become the 'lender' while we do the behind-the-mortgage work — and watch your investments grow.

Morcado Trust comes from the same high-level team of True North Mortgage, backed by years of mortgage brokering, lending, and underwriting experience and a commitment to stringent compliance while offering an exceptional client-first service.

The Challenges of Managing Rental Properties

Managing rental properties can be a rewarding real estate investment strategy (especially if rental income is paying down your mortgages for those properties), but it’s not without its challenges.

Here are some of the key difficulties rental property investors might face.

Tenant Management

• Finding reliable tenants: Securing responsible and trustworthy tenants is critical. It involves extensive background checks, credit history reviews, and sometimes dealing with vacancies.
• Dealing with problematic tenants: Even with thorough screening, issues can arise, including late payments, property damage, or disputes with neighbours.

Maintenance and Repairs

• Routine maintenance: Regular upkeep of the property is essential to maintain its value and appeal to tenants, which includes landscaping, painting, and addressing wear and tear.
• Emergency repairs: Unexpected issues like plumbing problems, electrical failures, or HVAC breakdowns can be costly and need immediate attention.

Legal and Regulatory Compliance

• Understanding local laws: Landlords must stay informed about local housing laws and regulations, which can change frequently. Non-compliance can lead to fines or legal action.
• Eviction processes: Evicting a tenant can be a long and legally complex process, requiring adherence to specific legal protocols.

Financial Management

• Cash flow management: Ensuring consistent rental income to cover mortgage payments, maintenance, and other expenses is crucial.
• Property taxes and insurance: These ongoing costs need to be factored into your investments' profitability.

The Benefits of Investing Directly in Mortgages

Investing directly in high-yield mortgages through Morcado Trust offers advantages that can be appealing for those looking to diversify their real estate investment portfolio.

High-Yield Return Rates 

• Access to higher rates: High-yield mortgages offer a higher spread from the prime rate than traditional mortgages.
• Your selection, your choice: You have control over the mortgages in your portfolio. Choose based on your preferred risk level or spread it out for balanced returns. 
• The rates you choose are the rates you get: Return rates are set for the terms of mortgages selected; if your mortgages renew, you'll receive the same rate or higher (never lower).

Steady Income Stream

• Receive interest returns, monthly: When borrowers make their monthly payments, your portion of the interest is paid into an account of your choice. 
• Use as monthly income or reinvest: Access your returns as a steady income stream compared to potentially erratic rental income from tenants. Or reinvest your returns to build more wealth.

Eliminate Property Management Woes

• No direct property maintenance: As a mortgage investor, you are not responsible for property maintenance or dealing with tenants, eliminating the hands-on effort required.
• No operational challenges: The day-to-day tasks and hassles of property management are gone, making it a passive investment that frees up your time to do other things.
• We do the mortgage work: Stringent compliance, thorough vetting, and in-house mortgage servicing and payment management take the real estate 'details' off your plate.

Potentially Lower Risk

• Collateralized investment: Mortgages are secured by real property, providing a level of security for mortgage investment. In the event of default, the property can be sold to recover the investment. Morcado has an excellent track record and zero mortgage losses to date.
• Passive income vs tenant management: Earning interest income on your mortgage investments may be more reliable than potential issues with tenant payment and lease vacancy that can incur income lapses.
• Diversification: Mortgage investments can be diversified across different properties and borrowers, spreading out risk and offering balanced returns.
• We don't do high-risk: The high-yield, uninsured mortgages available are 'pre-vetted' using several assessment criteria, including lower LTVs and decent credit scores. We don't offer high-risk mortgages that come with a significant chance of default.

Investment Transparency:

• Customizable mortgage portfolio: Morcado provides detailed descriptions of mortgage and borrower details to aid your investment decisions. 
• Timely communication: We advise you of any important changes, including when funds are available from mortgage investments. Our goal is to keep you informed and confident in your decisions.
• Simple account portal: Easily see and track your investments and returns and make requests.
• Straightforward fees: We have low annual fees, no trading fees, and no hidden fees. The rates and fees we disclose upfront are what you can expect throughout your investment journey. 

Disclaimer: As with any investment, we recommend seeking professional mortgage and financial advice that applies to your unique situation. Please contact a licensed Mortgage Investment Advisor for more details about investing with Morcado Trust.