Release the Trapped Equity in Your Rental Portfolio
Don’t Let Rigid Bank Rules Freeze Your Capital
You’ve done the hard work of building a cash-flowing portfolio in Alberta, but traditional banks keep your capital locked behind closed doors. We provide the liquidity pipeline to release your trapped equity, giving you the immediate cash flow needed to fund your next down payment, launch a new project, or consolidate debt.
Is Your Equity Working, or Just Sitting There?
In today’s market, sitting on dead equity is an expensive missed opportunity. Yet, the Big 5 banks make accessing your own wealth feel like pulling teeth—demanding endless debt-service ratios (GDS/TDS) and perfect tax returns.
At AJS Capital, we don't view your portfolio as a static liability. We see it as a financial engine ready to be restarted.
Bypass the Stress Test: We lend against the bedrock value of your real estate and its actual rental income, not your personal T4 history.
Keep Your First Mortgage Intact: No need to break your low-rate underlying bank loan. We can layer clean second-position capital to act as a bridge to your next acquisition.
Fueling the Snowball Effect
CapEx & Value-Add Upgrades
Need to replace a roof, upgrade HVAC systems, or fully modernize units to push rents higher? Access the capital to force appreciation and increase your overall building value.
Partner Buyouts
If a joint-venture partner is ready to exit, use the property’s existing equity to buy out their shares cleanly, allowing you to take 100% control of the asset.
Portfolio Consolidation
Pay off expensive unsecured business lines of credit or high-interest private debts by consolidating them into a single, manageable payment secured by your rental property.
The Next Down Payment
Don't wait years to save up cash. Pull equity from Property A to use as the immediate down payment on Property B, accelerating the growth of your portfolio.
We Underwrite the Asset’s Income, Not Your Personal T4.
Traditional banks penalize active real estate investors by looking at global debt-to-income ratios that don't reflect reality. Because AJS Capital is an independent hard money private lender, we underwrite the real estate. We look at the Loan-to-Value (LTV) of the property, the current rent roll, and your overall exit strategy. If there is strong equity in the dirt and bricks, we can provide the capital you need in a fraction of the time a traditional bank would take.
Equity Take-Out & 2nd Mortgage Loan Guidelines
Target LTV:Up to 80% Combined Loan-to-Value (CLTV). We calculate the total of your 1st mortgage plus our new loan against the current appraised value of the property.
2nd Mortgages Allowed: We don’t disturb your existing financial foundation. We simply build a capital mezzanine on top of it so you can access cash smoothly.
No Income Verification: We don't care about bureaucratic paperwork. If your rental property stands on solid ground, that is all the security we need.
Property Types: Single-family, duplexes, 4-plexes, and small multi-family.
Terms: Flexible 12 to 24-month terms. Interest-only payments to maximize your monthly cash flow.
No Application Fee
No Appraisal
No Prepayment Penalty
* Rates are based on loan terms, borrower qualifications, LTV, and property factors and are subject to change. Non owner-occupied rental properties only.
Rental Equity Loan Investor FAQs
-
No. We register a 2nd mortgage on the title. Your 1st mortgage remains completely untouched, meaning you do not lose your current interest rate or trigger any bank prepayment penalties.
-
While AJS Capital only lends against real estate located inside Alberta, once the equity is extracted and the cash is in your corporate account, you can deploy those funds toward acquisitions in other markets.
-
We base our decisions primarily on the hard equity in the property and the cash flow of the asset. While we do review credit history to understand the borrower's profile, a minor blemish will not automatically disqualify a deal that has strong real estate fundamentals.
-
Once we have an updated appraisal and a complete application, we can typically issue a term sheet within 24-48 hours and fund within a matter of days.
-
Yes. We offer interest-only 2nd mortgages and equity take-out loans up to a 75% Combined Loan-to-Value (CLTV) on Alberta rental properties. This allows you to access fast liquidity for your next deal while preserving the low interest rate on your current first mortgage.
-
No. AJS Capital strictly provides commercial, business-purpose alternative financing for active real estate investors. We only lend on physical real estate assets located within Alberta, Canada.
Ready to put your equity to work?
We manage all our loans through industry-leading loan platform, guaranteeing you 100% transparency on your balances, payments, and terms. No hidden math.