Rainmaker Investment Advisory

AP Capital MIC

Why invest?

‍Target Return: 8% annually (monthly cash or DRIP)*
Distribution History: 15+ Years of uninterrupted payouts
Assets Under Administration: $257 million
Mortgages Funded Since Inception: Over 2,490
Portfolio LTV: 58% average (well below 70% target)
Registered Plan Eligible: Yes (RRSP, TFSA, LIRA, RRIF)

AP Capital MIC offers stability, transparency, and consistent income; even during economic uncertainty. Designed for investors seeking diversification from the public markets.

Key Performance highlights

Trailing Avg. Since Inception: ~7.95% (net of fees)*
Mortgages in Portfolio: 430
Funded Since Inception: 2,491
% in 1st Position Mortgages: 77%
Average Borrower Credit Score: 714
0.45% foreclosure LTV on affected assets, reflecting risk controls
‍$1B+ in mortgages funded since inception‍
430 active mortgages under administration‍
Loan-to-Value (LTV): 58% portfolio-wide

Past Performance

TRAILING AVERAGE SINCE INCEPTION*

8.26

%

Income & Growth

TRAILING 3 YEARS AVERAGE*

7.55

%

Income & Growth

TRAILING 1 YEAR AVERAGE*

8.46

%

Income & Growth

ASSETS UNDER MANAGEMENT (AUM)*

$

276 M

Income & Growth

Past performance does not guarantee future results

Investment Strategy & Structure

AP Capital lends short-term (12-month) first and second mortgages, primarily to borrowers with strong equity in BC’s most resilient urban housing markets.

Focused on 1-year term residential mortgages in Western Canada
Lending secured by highly marketable urban properties
‍Rigorous underwriting: appraisals, credit checks, borrower vettin
Portfolio built around single-family homes, serviced urban lots, condo
‍Registered plan eligible: RRSP, TFSA, RESP, LIRA, RRIF‍
RBC/TD/BMO line of credit oversight and quarterly field exams

“When investors see how AP Capital MIC has delivered steady returns through all market cycles, they realize this is more than an investment; it’s peace of mind. With a portfolio rooted in real, residential properties and an LTV under 60%, they know their money is passively working for them.”

Investor alignment & oversight

Independent board chair: Terry Krepiakevich CPA, CA, ICD.D
Oversight from RBC, TD, and BMO through a syndicated line of credit
Monthly reporting and quarterly site visits required by lenders
Audited by MNP LLP; legal support from Koffman Kalef LLP‍
Transparent portfolio metrics published monthly

Key Benefits for Canadian Investors

Monthly cash flow or DRIP with compounded growth
Eligible for registered accounts (RRSP, TFSA, etc.)
Low correlation to equity markets
Offers a simple, understandable investment backed by real assets

Links to investment documents

Click the links to view and / or download to learn even more

AP Capital MIC - Fund Facts - July 2025

AP Capital MIC - Presentation - Q2 2023

Offering Documents-

Ready to Explore This Opportunity?

You can express interest or submit a non-binding investment order using the form below. A licensed advisor will contact you to verify suitability and answer any questions. No payment is collected at this stage.

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Investment summary details

Distribution Frequency
Monthly
Currency
CAD
Minimum Investment Amount
$
10000
Annual Rate of Return Target Minimum* (Income + Equity Growth Combined)
8
%
Annual Rate of Return Target* (Income Only)
8
%
Annual Rate of Return Target* (Equity Growth Only)
0
%
Hurdle rate for investors before management participates in profits
6
N/A
%
Split ratio paid to investors of additional profits (investors : Management)
N/A
Additional Profit Potential
No
Yes
Additional Profit Potential From Tax Efficient Distributions
No
Yes
Eligible for Registered Accounts (RRSP, LIRA, RIFF etc)
No
Yes
Early Redemption Options
Yes. Refer to offering documents
Accredited Investors Only
No
Yes
Commission % paid to Dealer (*Paid by the Issuer, Not the investor)
5.00
%
Trailer % paid to Dealer (*Paid by the Issuer, Not the investor)
1.00
%
(AUM) Assets Under Management of Issuer
$
276 M
Year issuer was founded
2007
Date investment originated
March 1, 2007
Date of offering documents
April 30, 2025

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