Sell your income property in financial difficulty, without losing control
Mortgage in arrears, negative cash flow, refinancing refused or risk of insolvency? ImmoMulti buys your plex or multi-unit property directly, confidentially and without a public listing. Firm offer within 48 h — before you're forced into a corner.
Duplex · Triplex · Quadruplex · Plex · Large buildings · North Shore, Laurentians & Greater Montréal
Send us a message — we'll get back to you within 48 h, no obligation.
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Why act now rather than wait
When a property enters financial difficulty, time works against the owner. Every month that passes narrows the available options. A voluntary sale — however urgent — always leaves you more control than a forced liquidation or foreclosure.
You control the timeline, not the bank
A voluntary sale lets you choose the closing date. Waiting for a bank to initiate a foreclosure process strips that choice from you. Acting now — even with urgency — means you remain the decision-maker.
Discretion — no public information
No listing, no sign, no online profile. Your tenants, neighbours and creditors don't need to know. A direct sale is completely confidential — unlike a traditional sale or forced liquidation, which are public by nature.
You maximize what you keep
Zero commission (vs. 4% to 7% with a broker): on a $1,500,000 property, that's up to $105,000 more available to repay your creditors — or that stays in your pocket. In a financial difficulty situation, every dollar matters.
A firm offer to discuss with your advisors
Getting our offer commits you to nothing. It gives you a concrete number to share with your accountant, notary or trustee — so they can advise you accurately, rather than in the abstract.
All formats of income property, whatever the situation
Our goal is to acquire good income properties in Québec and hold them long-term. Financial difficulty doesn't disqualify a property: it's often the income and location that determine value, not the owner's financial situation.
Duplex & triplex
Small format, fast decision. Mortgage in arrears, negative cash flow? We assess the numbers quickly and come back with a firm offer within 48 h.
Quadruplex & quintuplex
Highly sought-after format. Even in financial difficulty, a well-located quadruplex has real value — which a direct sale lets you capture.
Plex & small multi-units
6, 8, 10, 12-plex: our core target. Cash flow problems on a building this size often indicate refinancing potential or rents below market — assets for a long-term buyer.
Large multi-unit buildings
A large building in financial difficulty often has significant value. We have the capacity to acquire large buildings without depending on uncertain bank approval — ideal when you need a fast, firm closing.
Mixed-use buildings
Commercial rent defaulting, vacancies in a mixed building? We know this type of property and buy it, even in complex management situations.
Properties needing repositioning
Deferred maintenance, rents well below market, management becoming burdensome. These are often properties with value hidden in plain sight — exactly what we look for.
Financial difficulty: the paths and their real consequences
When an income property gets into financial difficulty, there are generally three scenarios. They are not equal — in terms of price received, confidentiality and control over the situation.
- Price imposed, you no longer decide
- Public process, no confidentiality
- Trustee fees deducted from proceeds
- Public listing: your situation visible to everyone
- 4% to 7% commission reduces net proceeds
- 2 to 6 months before closing — time you may not have
- Total discretion: no listing, no sign
- Zero commission — maximum net for you (or your creditors)
- Firm offer within 48 h, closing in a few weeks on your timeline
What sets a direct buyer apart in a financial difficulty situation
Selling in financial difficulty is a different exercise from a "standard" sale. Here's why a direct buyer is often the most appropriate option — and what we specifically do to make this kind of transaction work for you.
Total confidentiality
No listing, no sign, no profile on real estate sites. Your tenants, neighbours and creditors learn only what you choose to tell them. A direct transaction is, by nature, 100% private.
A firm offer quickly
In a financial difficulty situation, delay is often the enemy. Our offer arrives within 48 h: a concrete number that lets you decide — or discuss with your advisors — without waiting for the market to find a buyer.
Financing already in place
No revocable financing condition that collapses the sale at the last minute. Our buying capacity is confirmed: once the offer is accepted, the transaction is certain to close.
Zero commission — every dollar counts
A brokerage commission (4% to 7%) significantly reduces what reaches your creditors or stays in your pocket. Saving that amount often changes what's possible for settling your situation.
Tenants in place — not your problem
You don't need to take back possession, give notices, or disturb your tenants before selling. We take over the existing leases: the property is sold as is, occupied.
You deal with one person
No broker, no delegated agent, no committee. You deal directly with the decision-maker. Simple, clear communication — especially valuable when your situation requires discretion.
What's actually possible — and what to do first
A financial difficulty is not a single situation: it exists on a spectrum. Depending on where you stand — early cash flow problems, serious arrears, foreclosure risk, insolvency proceedings — the best strategy differs. Here's how to think about it.
Negative cash flow or arrears beginning
This is the ideal window to act: you still have maximum control over the price, the timeline and the confidentiality. A voluntary sale now avoids the spiral where each month of losses erodes equity further.
Refinancing refused
The bank says no to a renewing or refinancing — a situation that often creates an artificial urgency. A direct sale can resolve the situation and repay the mortgage at closing, without waiting for the bank to take action.
Foreclosure process initiated
If the bank has already initiated formal proceedings, there are still options — but they're narrowing fast. A sale can stop the process if it closes quickly enough. Consult a notary or lawyer immediately to understand your specific timeline.
Formal insolvency risk
Before filing for insolvency, a voluntary sale of the property can sometimes allow you to settle your debts and avoid more serious consequences. This requires coordinating with a Licensed Insolvency Trustee and your notary — ImmoMulti can work alongside your advisors.
This information is for general guidance only. Every financial situation is unique. Please consult your notary, accountant or a Licensed Insolvency Trustee before making any decision. Getting our offer commits you to nothing and gives your advisors a concrete basis to work from.
What a brokerage commission takes from your proceeds
In a financial difficulty situation, every dollar matters — whether to repay your creditors or protect your equity. Slide the cursor to your estimated sale price and see what a broker would take, and what you save by selling directly.
Estimate based on a 5% brokerage commission + GST/QST (14.975%) on the commission. Commissions are negotiable and vary (often 4% to 7%). For reference only.
A confidential direct sale, wherever your property is located
Whether your property is on the North Shore, in the Laurentians or in Greater Montréal, ImmoMulti can buy it directly and discreetly, regardless of the financial situation it's in.
Being in financial difficulty doesn't mean your building has no value — it often just means it needs a buyer who understands income properties and can move quickly. That's exactly what we do.
Sell an income property in financial difficulty in Québec — confidential, direct, no commission
Is your mortgage in arrears? Is your cash flow negative? Has the bank refused to refinance? Is insolvency becoming a real risk? ImmoMulti is a direct buyer in Québec who can buy your plex, duplex, triplex, quadruplex or multi-unit building discreetly and quickly — even in a financial difficulty situation.
A voluntary sale before forced liquidation always leaves you more options: you control the price, the timeline and the confidentiality. And without a brokerage commission (4% to 7% savings), every dollar goes further — toward your creditors or as equity you protect. Our offer is firm, confidential and within 48 h. It commits you to nothing: use it as a concrete basis to discuss with your notary, accountant or trustee before deciding.
From first call to closing, in 6 simple steps
Our process is designed to be fast, confidential and adapted to urgent situations. You don't need to prepare the property or organize showings — just share the basics and we handle the rest.
Initial confidential contact
You contact us privately — by message or form. Share the basics: location, number of units, estimated income, nature of the difficulty. No commitment required at this stage: it's exploratory.
Financial analysis
We assess the property's actual income, outstanding mortgage, existing leases and your timeline. We aim for a fair price based on the property's value — not a discount based on your difficulty.
Firm, written confidential offer
You receive a written, firm purchase offer. This commits you to nothing: you can share it with your notary, accountant or trustee. It gives them a concrete number to work from.
Decision in consultation with your advisors
No pressure. You have the offer in hand — discuss it with your advisors. If you decide to proceed, we sign the purchase agreement. The price accepted is the price paid at closing.
Financing already in place
No revocable financing condition that delays or kills the closing. Our buying capacity is already confirmed — the sale is certain once the offer is signed, which is critical when you're facing a deadline.
Notary closing & discharge
We close at the notary: transfer recorded, mortgage discharged from sale proceeds, remainder paid to you. We take over the tenants and existing leases. Closing in a few weeks, or on your deadline.
Sell in financial difficulty — your questions answered
Yes. Mortgage arrears does not prevent a sale: the proceeds of the sale will be used to repay the bank, and the remainder goes to you. Acting before a formal foreclosure process is started gives you more control over the price, the timeline and the confidentiality of the transaction. A direct sale to ImmoMulti can close quickly, often in a few weeks, which is sometimes enough to settle the situation before the bank acts.
A sale can often stop the foreclosure process if it closes before the bank reaches an advanced stage. However, the earlier you act, the more options you have. It is essential to consult a notary or lawyer immediately to understand the timeline in your specific case. ImmoMulti can work quickly, but we cannot guarantee results if the bank process is already very advanced.
Not necessarily — it depends on your full picture. If your cash flow problem is temporary and refinancing is accessible, it may be more advantageous to hold. If the negative cash flow is structural (rents well below market, deferred work, management becoming burdensome), a sale now — even slightly below maximum market value — is often better than accumulating losses or going through a forced liquidation. An honest conversation with your accountant, notary and us will clarify the best path.
Yes. There is no public listing, no sign, no profile on real estate sites. Discretion is total: your tenants, neighbours and creditors don't need to know you're selling. We deal directly with you, one-on-one.
A trustee in bankruptcy is appointed to liquidate your assets when you file for insolvency — they have no incentive to maximize your sale price, and the process is public. A direct buyer like ImmoMulti, by contrast, deals with you before you reach that stage: confidential, at a price based on the property's income, without the public listing or legal complications of a formal insolvency.
It depends on the equity remaining in your property. If the sale price covers the mortgage and closing costs, you receive the difference. If the mortgage is larger than the sale price (negative equity), you will likely still have a residual debt with the bank — but this avoids an even longer and more expensive foreclosure process. Your notary can clarify the precise numbers for your situation before you decide.
Yes, absolutely. ImmoMulti is a buyer, not a financial or legal advisor. Before deciding, we strongly recommend speaking with your accountant (tax and capital gain implications), your notary (bank discharge, closing costs) and, if the insolvency risk is real, a Licensed Insolvency Trustee or a financial restructuring lawyer. Contacting us early doesn't commit you to anything — it gives you a number (our offer) to use as a basis for discussion with your advisors.
Yes, significantly. A traditional brokerage commission (4% to 7% + taxes) comes off the sale price. On a $1,500,000 property, that's up to $105,000 less in your pocket — or less available to repay your creditors. By selling directly to ImmoMulti, you keep that amount entirely. In a financial difficulty situation, every dollar matters. See also our capital gains calculator to estimate the tax impact of your sale.
Get a confidential offer — no obligation, no fees
In a financial difficulty situation, knowing your options quickly matters. Contact us for a free, confidential offer within 48 h. You can then decide — or discuss it with your advisors — without any pressure.
Send us a message — we'll get back to you within 48 h, no obligation.
Send a message →100% confidential · No obligation · No fees
Take control of your situation before it's out of your hands
Confidential offer within 48 h, financing already in place, closing in a few weeks on your timeline. Zero commission — every dollar matters. No obligation, no listing, total discretion.
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