Niagara Real Estate Investment,
Built to Perform.
Earn a fixed 8% annual return through private lending on real estate renovation projects across the Niagara Region.
Private Lending with SIP
A straightforward, hands-off way to earn a fixed return from Niagara real estate.
Fixed 8% Return
Lend to SIP Inc. through a promissory note at a fixed 8% annual rate — your return doesn't swing with the outcome of any single deal.
Monthly Interest
Interest is paid monthly, giving you predictable cash flow rather than waiting until the end of a project.
Principal Returned
Your full principal is returned at the end of the agreed term, typically tied to the project's completion.
Important disclosure. The information on this website is provided for general information only. It is not an offer to sell, or a solicitation of an offer to buy, any security, and is not financial, legal, tax, or investment advice. All real estate investments involve risk, including the possible loss of principal. Any returns or figures shown are illustrative examples only, are not guaranteed, and individual results will vary. Past results do not predict future performance. Any investment opportunity is offered only to eligible/qualified investors and only pursuant to definitive offering documents. Prospective investors are responsible for conducting their own due diligence and should obtain independent legal, tax, and financial advice before making any investment decision.
Recent Projects
Real transformations across Niagara. Click through to see the full portfolio.
What Sets Us Apart
Construction Expertise
20 years of hands-on construction experience means accurate budgets, fewer surprises, and higher margins on every project.
Skin in the Game
We invest our own capital alongside our partners. When you win, we win. Our interests are always aligned.
Local Market Intel
Deep knowledge of every Niagara neighborhood means we buy right, renovate smart, and sell at the top of the market.
Full Transparency
Every partner gets access to budgets, timelines, and progress updates. No black boxes. No surprises.
Real Estate Expertise Built on 20 Years of Construction
SIP is led by Derek Breton — a Niagara real estate professional who has spent two decades building, renovating, and flipping homes. “I don’t just sell houses. I understand how they are built, renovated, and valued.”
- 20+ years hands-on construction & flipping experience
- Affiliated with Coldwell Banker Advantage
- Invests his own capital alongside partners — aligned interests
Common Questions
How do I invest with SIP Realty?
Investors take part through private lending: a fixed-rate private loan to SIP Inc., documented by a promissory note. Get in touch and we'll walk you through how it works and whether it fits your goals.
What returns can I expect?
Private lending pays a fixed 8% annual return, with monthly interest and your full principal returned at project completion. A fixed rate is not a guarantee of repayment — all investing carries risk, including loss of principal.
Is the private loan secured?
Private lending is structured as a promissory note — a private loan to SIP Inc. at a fixed rate. By default the note is unsecured; if you wish to register security against the property, that can be arranged at the investor's cost. SIP also invests its own capital alongside partners, so our interests are aligned.
What areas does SIP Realty invest in?
We focus on the Niagara Region of Ontario — Welland, St. Catharines, Thorold, Niagara Falls, Port Colborne, and Pelham — where 20+ years of local construction experience lets us buy right and renovate efficiently.
Latest Insights
Perspective on investing, flipping, and value-add real estate across the Niagara Region.
Is Private Lending Safe? Secured vs Unsecured Notes in Ontario
No investment is truly "safe" — but you can understand and manage the risk. An honest look at private lending: secured versus unsecured notes, the real risks, and how to protect yourself.
Read more →
Anatomy of a Niagara Flip: How SIP Turns Tired Houses into Value
Every flip looks effortless in the after photos — the real work is the discipline before and during. Here's how a SIP project goes from tired listing to finished home, and where investor capital fits in.
Read more →
How Private Lending Works: Earning 8% Through a Promissory Note
Want real estate returns without swinging a hammer? Private lending is the simplest way in. Here's exactly how an 8% promissory note with SIP works — how you're paid, secured versus unsecured, and the risks to weigh.
Read more →Ready to Invest?
If you're looking for passive, fixed-rate returns from Niagara real estate, let's talk about upcoming opportunities.