Private Lending Partnership

Passive Real Estate Returns.
Zero Headaches.

You provide the capital. I find, fix, and flip the property. We share the profits. A hands-off approach to Niagara real estate investing.

Anatomy of a Typical Flip

Transparency is the foundation of our partnerships. Here is how we evaluate and execute a project.

1. Acquisition

We source distressed properties at 70-80% of After Repair Value (ARV).

Target: Under-market value, high-potential neighborhoods.

2. Value-Add

20 years of construction experience allows us to renovate efficiently and avoid costly surprises.

Timeline: Typically 3-5 months.

3. The Exit

Property is staged and sold for top dollar. Profits are distributed according to our agreement.

Goal: Predictable, high-yield passive returns.

Example Deal Pro-Forma

Purchase Price
$450k
Reno Budget
$85k
Projected Sale
$625k
Est. Profit
$90k

Past Projects

Consistent results driven by accurate renovation estimates and speed of execution.

Full Gut Renovation

St. Catharines Bungalow

Scope: Full gut renovation, new kitchen, basement suite.

Timeline: 4 Months

Outcome: Sold over asking.

Duplex Legalization

Welland Duplex

Scope: Legalizing basement unit, cosmetic updates.

Timeline: 3 Months

Outcome: Refinanced and held.

What Makes a Project Worth Doing

Discipline at acquisition is where the profit is actually made.

Most flips that go sideways were bought wrong, not renovated wrong. That's why I'm ruthless at the front end. I target distressed or dated properties in solid Niagara neighbourhoods at 70–80% of after-repair value, leaving a real margin for the renovation, the carrying costs, and the unexpected — because on an older home, there is always something unexpected.

Before we commit, I build the project the way a contractor bids a job: a room-by-room scope, a line-item budget with a contingency built in, and a realistic timeline. Twenty years on job sites means I'm estimating from experience, not guessing from a listing photo — so the pro-forma we partner on is grounded in what the work will genuinely cost.

Niagara suits this strategy well. There's a deep supply of older homes that need work, buyer demand for move-in-ready product once it's finished, and prices that still leave room to add value. When a deal doesn't clear the numbers, we pass — protecting your capital is the whole point, and no deal is always better than a bad one.

Two Ways to Partner

Structured, documented, and matched to how hands-on you want to be.

Private Lending

You lend the capital for a specific project and it's secured directly against the real estate. The rate and term are agreed in writing before the deal begins, so you know your position from day one. Fully passive — I handle acquisition, renovation, and sale.

Joint Venture

You provide capital, I provide the deal, the construction expertise, and the execution, and we split the profit on an agreed basis. A good fit for partners who want more upside and are comfortable sharing project risk.

Aligned Interests

I put my own money into the deals I bring to partners, so we win or lose together. Every project is documented, and I encourage every partner to review the paperwork with their own lawyer before committing.

Every partnership is structured on a per-project basis with independent legal advice. Projected figures are illustrative — real estate returns vary by project and are never guaranteed.

What to Expect as a Partner

The part most operators skip: keeping you genuinely informed.

A good partnership lives or dies on communication, so I keep it simple and consistent. Before a dollar moves, you see the full deal package — the acquisition price, the line-item renovation budget, the timeline, and the projected exit. Nothing about the plan is a surprise.

During the project you get regular progress updates as the major milestones land — demolition, rough-ins, inspections, and the final finishes — so you always know where the money is and what stage the property is at. If something changes on site, which occasionally happens with older homes, you hear about it from me directly, along with the plan to handle it.

At the exit, the accounting is fully transparent: what the property sold or refinanced for, the actual costs against the budget, and how the proceeds are distributed under our agreement. You should finish every deal understanding exactly how the return was made — that's what earns the next one.

Partner With Confidence

Trust is the currency of any partnership. My track record is built on 20 years of delivering quality projects and honest communication.

I put my own capital into every deal alongside my partners, ensuring our interests are perfectly aligned. You get the benefits of real estate investment without the headaches of management.

Derek Breton - Niagara Real Estate Joint Venture Partner

Become a Private Lending Partner

Interested in earning better returns than the bank? Let's discuss upcoming opportunities.

🔒 Strictly confidential. Your info is never shared.