Investment Properties Commercial Financing

We lend based on property values and cash flows.

First Mortgages for industrial, commercial and retail properties, including warehouses, stores and apartments, and all types of income-producing properties

Apartment buildings 1st and 2nd mortgages for acquisitions, refinancing, and renovation purposes including short-term bridge loans and long-term fixed rate loans

Small Commercial Program: 1st mortgages on retail stores with apartments above

Private and Alternative Lenders

Doctor Finance, through professionalism and experience, has been nominated as one of the Top Commercial Brokers for 6 years in a row from 2015, 2016 and 2017, 2018, 2019, 2020. With more than two decades of experience in the commercial mortgage industry and a team of ex-commercial bank managers we are dedicated to better serving our clients.

We ensure full support of your dealings with the various professionals involved and every step of the due diligence process such as appraisal, environmental site assessment, building inspection, legal and closing process.

Financing owner-occupied building vs. investment property

	Owner-occupied property	Investment property
Leverage	Up to 100% of the property’s purchase price can be financed.	Varies, but typically available up Max 75%
Cash flow requirement	Operating Business’s cash flow	Cash flow analysis of the property
Docs required	Operating business last 2 years financial Statement	Income and Expense of Prope Rent Roll

Please click for OMJ Commercial Programs.

Commercial Product Sheet

Vice President · Residential Financing

Morteza (Morty) Sadeghi

As Vice President of Residential Mortgages, Morty has 20 years of residential mortgage experience. His thorough understanding of lender requirements and their products ensures his clients get the most suitable financing to meet their needs.

Morty graduated from York University with a major in Economics and a minor in Political Science. He’s built strong relationships with banks and other lenders, which helps ensure his clients have access to the best products available. His objective is to curate a stress-free mortgage process that educates and empowers every client to feel confident in their financial decisions.

High-value and luxury home mortgage financing is his specialty — it requires a personal approach and terms that need to be individually negotiated.

Morty is the firm’s expert in luxury home financing with financial institutions and private mortgages across Ontario, for both purchase and refinance loans, with experience spanning funding, analyzing and approving mortgages.

Morty’s team excels at navigating complex and challenging financing scenarios, offering tailored service to reach the best possible outcome for every client, every time.

Vice President · Commercial Financing

Masoum Jalili

As Vice President of Commercial Financing, Masoum is responsible for sourcing, structuring and arranging financing options for clients at OMJ. She has over 25 years of commercial lending experience, a Bachelor of Business Administration with honors from the Schulich School of Business, and a Certified Management Consulting designation.

Masoum has been with OMJ since its establishment and has personally arranged financing for a diverse class of commercial real estate assets. She also provides underwriting and monitoring for clients across a broad range of industries and sectors. Before joining OMJ, she was a commercial banking manager with experience across several financial institutions, including the National Bank of Canada — which is exactly why she knows how banks work, and how to get them to work for you.

With decades of experience in commercial lending and a results-oriented approach, Masoum has the skills and tools to put together a unique solution for every client, and is committed to finding the best options for her clients regardless of their circumstances.

Principal Broker · President & Founder

Omid Jalili

Doctor Finance

Omid is the founder, principal broker and President of OMJ Mortgage Capital. He has financed hundreds of millions of dollars in commercial mortgages and development projects over the past 25 years.

Omid has been a finalist on Canadian Mortgage Professional (CMP) magazine’s Top Commercial Brokers list for six years running, from 2015 to 2020. With more than two decades in the commercial mortgage industry and over hundreds of millions of dollars in commercial and construction financing arranged, he’s become one of the Greater Toronto Area’s most recognized commercial mortgage brokers. From land and commercial assets to development and construction projects, Omid has the expertise and network to help secure your financing goals.

Known to clients as Doctor Finance, Omid has assisted with the financing of many custom home projects across the GTA, including in Willowdale, Forest Hill, Lawrence Park, Lytton Park, the Bridle Path and Hoggs Hollow.

He believes knowledge, integrity, expertise, accountability and trust are the five keys to success — and proves it daily through his work ethic, track record and leadership in construction and commercial real estate financing.

Investment Properties Commercial Financing

We lend based on property values and cash flows.

Financing owner-occupied building vs. investment property

Please click for OMJ Commercial Programs.

Residentials

Commercial & Construction

Company

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Morteza (Morty) Sadeghi

Masoum Jalili

Omid Jalili