Private Lending: Earn Passive Income with Peace of Mind
- Marinella Nicolosi
- Aug 18
- 2 min read
Updated: Aug 25
By Marinella Nicolosi, Private Lending Queen
Looking for a way to grow your savings without taking on a second job or buying a rental property? Private mortgage lending might be your perfect match.
In Canada, private lending lets you act as the bank. You lend money to a real estate investor, and in return, you earn monthly interest—secured by a property.
This isn’t stock market gambling. It’s strategic, backed by legal contracts, and best of all—completely passive.
Why Women Love Private Lending
Whether you're juggling a career and kids or thinking about retirement, your time is precious—and your money needs to work harder.
Private lending means:
No tenants, toilets, or property headaches
Fixed returns every month
Your investment is secured by a mortgage on real property
You can start with as little as $10,000 through a self-directed RRSP or TFSA
Let’s say you lend $100,000 at 10% annual interest. That’s $10,000/year—or $833/month—in passive income, without lifting a finger.
But Is It Safe?
When done right, private lending is very secure. You’ll work with a licensed mortgage broker to analyze the deal, and your lawyer registers the mortgage and help you protect your investment.
You’ll also want to understand LTV (Loan-to-Value) and make sure you're not lending more than 75% of the property’s value. That way, even if the borrower defaults, your money is protected.
Real Talk
If you're a mom wanting to build wealth for your kids, or a woman nearing retirement looking to stretch your savings—this is one of the safest, most accessible real estate strategies out there.
It’s flexible.
It’s backed by contracts and real estate assets.
And it can help you say goodbye to overwhelm—and hello to peace of mind.
Private lending is how more women—whether building wealth for their kids or stretching retirement savings—are earning passive income without burnout. It’s one of the most secure and accessible real estate strategies for growing your money, without becoming a landlord or taking on a second job.
Ask yourself: Would I rather keep my money in a low-interest account, or lend it to a vetted investor and earn 8–12% annually?
With the right guidance, you can say goodbye to overwhelm and hello to reliable, passive income.
Published: August 18, 2025 - 2 min read
By Private Lending Queen
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Imagine Financial Freedom—What's Your Next Move?
If you’re dreaming of building wealth through real estate—whether as a confident private lender or a capital-raising investor—our Real Estate Investing Masterclasses are your gateway.
Whether you want to be hands-on or make your money work for you and earn through passive income, we’ll give you the step-by-step clarity, tools, and confidence you need to invest with purpose and power.
Your journey to financial freedom starts here. Are you ready to begin?
Learn more about our masterclasses at www.privatelendingqueen.commasterclasses or book a Discovery Call with Marinella Nicolosi.
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