Lenders / Investors / R. Bhatia
RB
Rohan Bhatia
Individual lender since Nov 2025 · 3 active loans · Active Portal: active
Banking change waiting for approval
Bank CIBC → TD · transit ••344 · account ••••5520 → ••••7781 · requested by Priya Nair Sep 29, 2026 (from the investor portal, confirmed by email code)
Deployed
$495,000
Available
$105,000
Monthly interest
$3,770.84
Paid to lender in 2026
$15,250.02
Sub-investors
None. R. Bhatia funds all 3 positions personally. Sub-investors are set per deal on the loan's Lenders tab (Edit lender terms): amount, rate and whether we pay them directly or through R. Bhatia.
Referral fees
2026- Referred by
- Maplewood Family Trust
- Referral fee
- 0.10% / yr on capital deployed
- Monthly
- $41.25 · paid from company spread
- Paid in 2026
- $371.25
No referral fees are paid to R. Bhatia.
| Loan | Borrower / property | Pos. | Lender's share | Loan total | Lender rate | Borrower rate | Monthly to lender | Maturity | Status |
|---|---|---|---|---|---|---|---|---|---|
| #1131 | Anthony Romano 61 Kipling Ave, Etobicoke | 2nd | $150,000 | $150,000 | 10.50% | 12.99% | $1,312.50 | Dec 1, 2026 | Maturing · 62 days |
| #1187 | James & Rachel Nguyen 9 Birchcliff Rd, Scarborough | 1st | $250,000 | $420,000 | 8.00% | 8.99% | $1,666.67 | Aug 3, 2027 | NSF · payout requested |
| #1204 | Samuel Oduya 77 Lakeshore Rd, Mississauga | 2nd | $95,000 | $95,000 | 10.00% | 12.49% | $791.67 | Feb 5, 2027 | Current |
| Total | $495,000 | 9.14% avg | $3,770.84 | ||||||
#1187 payout requested for Oct 15. On discharge R. Bhatia receives $254,000.00 ($250,000 principal + $4,000.00 interest). View payout statement
#1131 matures Dec 1. Renewal question sent to R. Bhatia's investor portal — awaiting his answer.
Distribution schedule & history
| Pay date | Period | #1131 | #1187 | #1204 | Paid | Method | Status |
|---|---|---|---|---|---|---|---|
| Oct 15, 2026 | September 2026 | $1,312.50 | held $1,666.67 | $791.67 | $2,104.17 | EFT | Scheduled |
| Sep 15, 2026 | August 2026 | $1,312.50 | $1,666.67 | $791.67 | $3,770.84 | EFT | Paid |
| Aug 15, 2026 | July 2026 | $1,312.50 | — | $791.67 | $2,104.17 | EFT | Paid |
| Jul 15, 2026 | June 2026 | $1,312.50 | — | $791.67 | $2,104.17 | EFT | Paid |
| Jun 15, 2026 | May 2026 | $1,312.50 | — | $791.67 | $2,104.17 | EFT | Paid |
| Apr 15, 2026 | March 2026 · released | — | — | $791.67 | $791.67 | EFT | Released |
Scheduled rows are the next run's preview; amounts held because a borrower has not paid are released in a later run once collected.Show all
Lender statements
PDF
Statement — September 2026
Emailed Sep 15 · opened Sep 16
PDF
Statement — August 2026
Emailed Aug 15
PDF
Statement — Q2 2026 (quarterly summary)
Emailed Jul 15
PDF
Annual summary — 2025
Generated (not emailed) · Jan 12
Monthly statements are emailed automatically with each distribution. The daily lender job also sends statements that are due and were not sent with a run. The lender sees the same PDFs in the investor portal.
Tax slips (T5)
- Slip type
- T5 — Statement of investment income
- Issued to
- Rohan Bhatia · •••-•••-418
- 2026 projected
- ≈ $25,562.53 interest (box 13)
- Due to lender
- By Feb 28, 2027
| Year | Box 13 interest | Payments | Status | |
|---|---|---|---|---|
| 2025 | $1,312.50 | 1 | Issued Feb 20 |
T5 amounts come from interest actually paid to the lender in the calendar year. Held amounts count in the year they're released.
Documents
PDF
Master lender agreement (signed)
Nov 20, 2025
JPG
Photo ID (driver's licence)
Expires Mar 2029
PNG
Void cheque — CIBC
For EFT distributions
Disclosures
The disclosure forms and their wording must be confirmed by the customer's compliance person before go-live.
| Form | Deal | Offered | Status |
|---|---|---|---|
| FSRA Form 1 — investor / lender disclosure | #1231 | Sep 28, 2026 | Sent |
| FSRA Form 1 — investor / lender disclosure | #1187 | Jul 24, 2026 | Signed |
| FSRA Form 1 — investor / lender disclosure | #1204 | Jan 28, 2026 | Signed |
| FSRA Form 1 — investor / lender disclosure | #1131 | Nov 21, 2025 | Signed |
Disclosures are sent with deal offers (Deal funding). The lender can sign a waiting Form 1 in the investor portal (Sign now).
Contact
- Legal name
- Rohan Bhatia
- Type
- Individual · Canadian resident
- r.bhatia@email.com
- Mobile
- (647) 555-0192
- Address
- [Street address], Markham, ON, [Postal code]
- Referred by
- Maplewood Family Trust
- Preferences
- 1st & 2nd · max LTV 75% · target 9.00% · GTA only
Banking & distributions
- Pay by
- EFT on the 15th
- Bank
- CIBC · transit 00012 · acct ••••5520
- Statements
- Monthly by email
- Tax slip
- T5 · SIN on file (encrypted)
- Arrears policy
- Hold lender share until collected
Only users allowed to see sensitive fields get Reveal; every reveal is recorded in the audit log.
Investor portal access
ActiveInvited Jun 2, 2026 · last portal sign-in Sep 27, 2026 · r.bhatia@email.com
In the portal R. Bhatia sees his positions (loan #, city, type, LTV, rate, his share — never borrower names or other lenders), distributions, statements and T5s; can answer deal offers and renewal questions and ask to change banking. Every answer arrives in Portal requests for staff review — banking changes still need a second person.
Notes
AM
Called about #1187 NSF. OK with holding his share until collected. Interested in another 2nd mortgage up to $100K once #1187 pays out.
Sep 18 · Alex Morgan
AM
Increased commitment from $500K to $600K.
Jul 10 · Alex Morgan
Generate lender statement
Positions, interest earned, amounts paid and held for a period.
Edit lender & banking
Banking changes require a second person to approve (fraud protection).
Offer a deal to R. Bhatia
Sends a summary of a new deal for the lender to accept (the Deal funding offer). The lender can also answer in the investor portal.