Most people hear “real estate investing” and think of tenants, renovations, and spending weekends fixing drywall.
But what if you could invest in real estate, and earn from it, without ever owning a property?
That’s exactly what we do at Fluent Capital. We connect investors like you to real estate-backed lending. Instead of buying a property, you lend capital to someone who does. And in return, you earn monthly income secured by that property.
Here’s how it works:
Let’s say a real estate investor finds a great deal on a property but needs fast financing. Traditional banks move slowly, and often won’t fund projects with tight timelines or renovation plans.
So the investor comes to Fluent.
We review their project, the value of the property, and their plan. If it checks out, we pool investor funds, like yours, to issue a mortgage loan. You become the lender, and the property acts as collateral.
✅ You don’t own the property
✅ You don’t deal with tenants
✅ You don’t manage any renovations
✅ But you still earn steady, monthly income
And because it’s a first and second position mortgage, your capital is protected by real property. If anything goes wrong, we have the legal right to take over the property and recover your investment.
It’s like being the bank, not the landlord.
This model gives you the benefits of real estate (stability, cash flow, strong returns) without the hands-on headaches. No property taxes, no midnight maintenance calls, and no managing listings or leases.
Plus, you can invest through your TFSA, RRSP, or non-registered account, and start earning right away.
We handle:
- The due diligence
- Legal and admin setup
- Ongoing deal management
- Monthly payouts to you
This is real estate investing, just smarter, cleaner, and 100% passive.
If you’ve been curious about getting into real estate but didn’t want the responsibility, Fluent offers the perfect solution.
Let your money earn from property, not be tied down by it.
Want to explore how to get started?
Let’s talk.