Gentai Residential Mortgage Fund
Managed by Gentai Capital Corporation
Data as of: https://lp.constantcontactpages.com/cu/tLura7b/FundFacts
This review is compiled by WOWA for informational purposes only and is not investment advice, an offer, or a solicitation. Figures are drawn from the manager's published materials as of the dates shown and may change. Returns are historical and do not guarantee future results. Verify all details with the manager or a licensed advisor before investing.
AUM
$48M CAD
2025 return
7.43%
LTV
68.8%
Management fee
2%
About Gentai Residential Mortgage Fund
Gentai Residential Mortgage Fund is an open-ended mutual fund trust launched in 2021, investing in residential mortgage loans secured by properties in major urban centres across British Columbia, Ontario, and Alberta. As of March 31, 2026, the fund held a $40.6 million mortgage portfolio across 71 investments, with a weighted average LTV of 68.8% and a weighted average interest rate of 10.4%. The portfolio was primarily composed of first-position mortgages secured by detached homes, with British Columbia representing its largest geographic exposure. The fund returned 7.43% in 2025 and has delivered an annualized return of 7.14% since inception.
The fund reports approximately $48M CAD in assets.
Most of the portfolio is in first mortgages, with some subordinate exposure.
The portfolio is concentrated in Residential mortgages.
The portfolio is diversified across BC and Ontario.
At a glance
| Assets under management (AUM) | $48M CAD |
| 2025 return | 7.43% |
| Overall LTV | 68.8% |
| First mortgages (as a % of the portfolio) | 78.8% |
| Property focus | Residential (100%) |
| Structure | Open-Ended Mutual Fund Trust |
| Investor access | Available to individual investors |
Stated annualized returns assume a fixed price of $10.00/unit. DRIP returns assume compounding at the Q1 2026 cash yield and full participation in the distribution reinvestment plan. Past performance does not guarantee or indicate future results. Almore Capital Ltd. is registered as an Exempt Market Dealer in the province of Ontario.
Gentai Residential Mortgage Fund portfolio and performance
The portfolio is composed of residential mortgages (100%).
| Property Type | Share (%) |
| Residential | 100% |
Gentai Residential Mortgage Fund has a focus on BC, with 68.8% of its mortgages located in BC, followed by Ontario (23.8%), Alberta (7.4%).
| Province/Region | Share (%) |
| Ontario | 23.8% |
| BC | 68.8% |
| Alberta | 7.4% |
Gentai Residential Mortgage Fund returns
| Calendar year | Net return |
| 2023 | 7.51% |
| 2024 | 7.36% |
| 2025 | 7.43% |
Gentai Residential Mortgage Fund facts
Fund structure
| Structure | Open-Ended Mutual Fund Trust |
| Manager | Gentai Capital Corporation |
| Series | A |
| Latest data | https://lp.constantcontactpages.com/cu/tLura7b/FundFacts |
Mortgage portfolio
| First mortgages | 78.8% |
| Overall LTV | 68.8% |
| Property focus | Residential |
Fees
| Management fee | 2% |
| Performance fee | None disclosed |
Stated annualized returns assume a fixed price of $10.00/unit. DRIP returns assume compounding at the Q1 2026 cash yield and full participation in the distribution reinvestment plan. Past performance does not guarantee or indicate future results. Almore Capital Ltd. is registered as an Exempt Market Dealer in the province of Ontario.
Who can invest in Gentai Residential Mortgage Fund?
Available to individual investors
This fund is available to individual investors.
The minimum investment amount for accredited investors is $50,000.
The minimum investment amount through an advisor or dealer is $50,000.
About Gentai Capital Corporation
Founded in 2012 and headquartered in Richmond, BC, Gentai Capital Corporation is a Canadian alternative investment manager and private mortgage lender offering real estate debt financing solutions across British Columbia, Alberta, Ontario, and Quebec. The firm manages three funds — Genesis Mortgage Investment Corporation (GMIC), Gentai Residential Mortgage Fund (GREF), and Gentai Commercial Mortgage Fund (GCOM). With over 30 full-time professionals, Gentai's portfolios have delivered annual returns between 6% and 11% and distributed over $100 million to investors since inception.
Compare other funds by Gentai Capital Corporation
Gentai Capital Corporation manages several mortgage investment entities (MIEs) with different loan and investment objectives. Compare its other funds below.
| Fund | Primary strategy | Approx. size | |
|---|---|---|---|
| Genesis Mortgage Investment Corporation | Residential mortgages | $180M CAD | Learn More |
| Gentai Commercial Mortgage Fund | Multi-Residential mortgages | $50M CAD | Learn More |
Frequently asked questions
It invests in residential mortgages.
The fund reports a weighted-average LTV of 68.8%.
Yes. It is available to individual investors.
The fund is managed by Gentai Capital Corporation.
Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
- The calculators and content on this page are for general information only. WOWA® does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.