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How It Works

Advisory Services
That Pay For Themselves

The session is the product. The pruchase and mortgage — if it happens — are the bonuses. We charge for time and expertise, not transactions.

Why advisory-first
changes everything.

Most mortgage brokers and real estate agents can only help you once you have a deal in front of you. We work with investors much earlier in the process — to determine whether a deal should happen at all, what structure makes sense, and whether your balance sheet is positioned to support it.

That means the advisory engagement has value regardless of what happens next. If we don't do a mortgage together, you leave with a clear-eyed view of your financial position and a roadmap for what to do next. If we do proceed to financing, the advisory fee is credited against brokerage fees — effectively free. However, there is no pressure or obligation to use cornellmortgages.ca for your mortgage. It is just advised to use the person who put toghether the strategy to see it through, and not leave it to someone else to mess up.

What we do

Discovery & Goal Setting

We start by understanding where you are and what you want to build. Existing properties, income, risk tolerance, timeline, networth and credit score. The session is structured, honest, and outcome-focused.

Portfolio Evaluation

We look at what you own. Cap rates, equity positions, debt structure, cash flow health. We identify what to keep, what to refinance, and what to sell to fund the next move.

Financing Capacity Analysis

What will lenders approve you for — and on what terms? We run the math before you make an offer, so you negotiate from a position of certainty, not optimism.

Acquisition Strategy

Which property type makes sense at your price point in your market? We evaluate duplex vs. triplex vs. apartment building through a financing lens — not just a real estate lens.

CMHC MLI Select Navigation

For 5+ unit acquisitions, we assess MLI Select eligibility, score your property's affordability and efficiency criteria, and structure the financing to maximize amortization and minimize your premium. Looking to develop new using MLI select? We have you covered with customized porforma development based on general market assumptions, currated for your unique development criteria.

Referral Network

When you're ready to act, we connect you with Ontario realtors who specialize in income-producing properties in your desired investment market. When you arrive as a pre-qualified, referred investor with an orgnized plan — deals close faster on better terms.

Advisory pricing

Simple. Transparent. Credited when we proceed to to a transaction.

Advisory Only
Fee-Based
For investors who want a clear picture or simply seeking due dilignce support
  • 60-minute strategy session
  • Portfolio review & equity mapping
  • Financing capacity analysis
  • Due Diligence and Underwriting Support for transactions and evaluating future purchases
  • Written summary + next steps
  • Lender most likely scenarios based on your financial profile
Book Session
Advisory + Transaction
$0 Net
Advisory fee credited in full when you complete a transaction through a combination of the realtor fee and the brokerage fee. When we refer a transaction to a real estate agent in our network or cornellmortgages.ca, you receive credit for the initial advisory fee — effectively free
Book Session

Advisory fees are charged by Perseverance Asset Management for real estate investment advisory services. For mortgage financing, clients are directed to CornellMortgages.ca.

Common questions

No. The strategy session is most valuable before you start shopping. We help you define what you should be looking for, what you can actually afford, and what lenders will see when you apply — so that when a property comes up, you can move with confidence instead of scrambling.
That's completely fine. The advisory fee stands regardless of what comes next — that's what makes it honest advice rather than a sales pitch. You leave with a real assessment of your situation and a documented roadmap. If you choose to proceed with another broker or institution, you're in a much better position to do so. The Full advisory fee includes at least 50 hours of advisory services, not a quick snapshot.
Significantly. A traditional mortgage broker works backwards from a deal — you find a property, they find financing. We work forwards from your financial picture — we help determine what deal makes sense before you go looking. This means we're evaluating your full picture: income, debt, existing properties, equity, tax positioning, and long-term goals. The mortgage is the last step, not the first.
Once we've defined what you're looking for, we connect you with Ontario realtors in our network who specialize in income-producing properties. You arrive as a pre-qualified, referred client — not a cold inquiry. Our realtors know what we've already assessed, what financing is available, and what parameters the property needs to hit. This makes the relationship efficient for everyone and dramatically improves the speed of execution when the right property comes up.

The best time to map your strategy
is before you need it.

Book a Strategy Session