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Gentai Commercial Mortgage Fund

This Fund invests in a diversified mortgage portfolio secured exclusively by commercial real estate (multi-family, industrial, retail, office, land, construction) to deliver a targeted yield of 8.25% - 10% while protecting investor capital .

100% of regular distributions can be earmarked to personal RSPs and TFSAs for tax-sheltered investing.

Experience

10+ Years

Proven Track Record

TTM Yield

10%

Per Annum

Value

$4.60 Million

Total Mortgage Portfolio

Ratio

49%

weighted average
loan-to-value

Fund Summary

Fund Type:
Mutual Fund Trust
Eligibility:
Offering Memorandum, Accredited Investors
Registered Accounts:
RRSP, TFSA
Distribution Frequency:
Monthly
Unit Value:
$1.00
Redemption:
Monthly
Investment Term:
18 months
Inception:
February, 2023

Our Other Funds

Gentai Capital Corporation offers two other funds in addition to our new GCOM fund: Gentai Residential Mortgage Fund (GREF) and Genesis Mortgage Investment Corporation (GMIC).

GREF invests in a diversified mortgage portfolio secured exclusively by residential real estate (predominantly detached homes, condominiums, duplexes and multi-family properties) to deliver a targeted yield of 5-7% while protecting investor capital. GMIC invests in residential and commercial mortgage loans secured by real estate in major urban centres in B.C., Alberta and Ontario. Since inception in 2012, it has generated an attractive yield for accredited investors through historically reliable quarterly distributions.

Gentai Residential Mortgage Fund (GREF)

Mortgage Portfolio Highlights
— March 31, 2023

Total Mortgage Portfolio:
$82.01 Million
Number of Mortgage Investments:
139
Average LTV Ratio:
69.05
Percentage of Portfolio which are First Mortgages:
84.92%
Percentage of Portfolio which are Second Mortgages:
15.08%

GREF Performance

Since our inception in 2012, we have strategically planned a series of funds to gain market share in the Canadian mortgage market and give investors options to choose investments based on proper asset allocation strategies with an aim to achieve long-term wealth creation.

GREF was created to be a fundamental part of a well-diversified investment solution for investors. Since its establishment on June 1st, 2021, the trust has achieved a monthly distribution rate of 0.5%-0.5625%.

We have invested in a total of 299 mortgages, with a cumulative loan amount of $185.25 million. Our investors have received a cumulative dividend distribution of $2,986,738, consisting of 21 regular distributions and 1 special distribution at 0.51%. Despite the significant challenges of the past year, including global economic uncertainty, rising energy and food prices, mounting inflation, and the ongoing impact of COVID-19, we are thrilled to announce that we will be distributing returns according to our new target rates of 6.75% simple interest and 6.95% compound interest, starting from March.

Genesis Mortgage Investment Corporation (GMIC)

Mortgage Portfolio Highlights
— March 31, 2023

Total Mortgage Portfolio:
$219.55 Million
Number of Mortgage Investments:
112
Average LTV Ratio:
63%
Percentage of Portfolio which are First Mortgages:
52.82
Percentage of Portfolio which are Second Mortgages:
45.87

GMIC Performance

Since our company’s founding ten years and six months ago, we have invested in 677 mortgages in total with a cumulative loan amount of $881.29 million, yielding a cumulative dividend distribution of $ 70,484,194 made up of 42 regular dividends and 3 special dividends. Our mortgage portfolio currently stands at $219.55 million, with assets under management of $239.09 million. Our mortgage portfolio has historically been focused on British Columbia but has also been diversified across Alberta, Ontario, and Quebec.

Despite the significant challenges of past years, including global economic uncertainty, higher energy, and food prices, mounting inflation rate, and COVID-19’s lingering impact, GMIC has continued to pay a stable dividend of 2% in each quarter of 2020, 2021, and 2022. We are now happy to announce that we will distribute the Q2 dividends of our 2023 fiscal year, according to our new target return of 8.75% simple interest and 9.04% compound interest.

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