RiverRock Mortgage Investment Corporation
Managed by RiverRock Management Inc.
Data as of: May 1, 2026 · View latest fund facts
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
$230M CAD
2025 return
8.57%
LTV
66.9%
Management fee
1.25%
About RiverRock Mortgage Investment Corporation
RiverRock Mortgage Investment Corporation invests exclusively in Ontario residential first and second mortgages, lending to self-employed individuals, borrowers with limited credit history, and new immigrants to Canada who are underserved by traditional lenders. The fund maintains a maximum 80% LTV, 83.27% first mortgage allocation, and a portfolio duration of under one year. Units are RRSP and TFSA eligible with a $25,000 investment minimum for accredited investors.
The fund reports approximately $230M CAD in assets.
Most of the portfolio is in first mortgages, with some subordinate exposure.
The latest annual return declined from 9.11% in 2024 to 8.57% in 2025.
The portfolio is concentrated in Residential mortgages.
The portfolio is highly concentrated in Ontario.
At a glance
| Assets under management (AUM) | $230M CAD |
| 2025 return | 8.57% |
| Overall LTV | 66.9% |
| First mortgages (as a % of the portfolio) | 83.3% |
| Property focus | Residential (100%) |
| Structure | Private Corporation (MIC) |
| Investor access | Available to individual investors |
RiverRock Mortgage Investment Corporation portfolio and performance
The portfolio is composed of residential mortgages (100%).
| Property Type | Share (%) |
| Residential | 100% |
RiverRock Mortgage Investment Corporation has a focus on Ontario, with 100% of its mortgages located in Ontario.
| Province/Region | Share (%) |
| Ontario | 100% |
RiverRock Mortgage Investment Corporation returns
| Calendar year | Net return |
| 2023 | 8.57% |
| 2024 | 9.11% |
| 2025 | 8.57% |
Return objective (2026)
RiverRock Mortgage Investment Corporation has a target return of 7.5% for 2026.
RiverRock Mortgage Investment Corporation facts
Fund structure
| Structure | Private Corporation (MIC) |
| Manager | RiverRock Management Inc. |
| Series | F |
| Latest data | May 1, 2026 |
Mortgage portfolio
| First mortgages | 83.3% |
| Overall LTV | 66.9% |
| Property focus | Residential |
Fees
| Management fee | 1.25% |
| Performance fee | No |
Who can invest in RiverRock Mortgage Investment Corporation?
Available to individual investors
This fund is available to individual investors.
The minimum investment amount for accredited investors is $25,000.
About RiverRock Management Inc.
RiverRock Management Inc. is a Toronto-based mortgage investment manager and the management company for RiverRock Mortgage Investment Corporation. The firm is led by President and CEO Nick Kyprianou, former President of Home Trust Company. Investor distribution is handled by Ninepoint Partners LP, with Belco Private Capital Inc. as the registered exempt market dealer.
Frequently asked questions
It invests in residential mortgages.
The fund reports a weighted-average LTV of 66.9%.
Yes. It is available to individual investors.
The fund is managed by RiverRock Management Inc..
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