Get Started
How It Works

Advisory Services
That Pay For Themselves

Institutional-level advisory while the mortgage paperwork gets structured. Any party can get you debt — not every party can do both. Custom-tailored plans providing a clear path forward to grow your portfolio with smart debt, not just any debt.

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. Ontario Multiplex is the network of investors operating at an institutional level, regardless of the size of their portfolio or assets under management, and CornellMortgages.ca is the guiding force behind those investors — ensuring growth with smart debt, not just any debt. There is no pressure or obligation to use CornellMortgages.ca for your mortgage. It is simply advised to keep the person who built the strategy involved in seeing it through.

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. Institutional-level advisory at every tier.

Advisory Only
Strategy & Portfolio Review
For investors who want a clear picture of where they stand, or who are seeking due diligence and underwriting 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
Full Network Access
Institutional-level advisory carried all the way through execution — lender access, application support, and vetted local realtor referrals, with the strategy author staying involved from plan to close.
Book Session

Real estate investment advisory services are provided by Perseverance Asset Management. 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 engagement stands on its own regardless of what comes next — that's what makes it honest advice rather than a sales pitch. A full engagement is at least 50 hours of advisory work, not a quick snapshot. 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 stronger position to do so.
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. Any party can get you debt — not every party can deliver institutional-level advisory while structuring the mortgage paperwork, ensuring growth with smart debt, not just any debt.
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