Unlock 95% LTV, 50-Year Amortizations & Insured Rates Under 4.5%* — Designed for Small Multi-Residential Properties
CMHC’s MLI Select program helps investors finance small apartment buildings with flexible, sustainable mortgage insurance. With up to 95% loan-to-value (LTV), 50-year amortizations, and lower rates, it’s designed for affordability, energy efficiency, and accessibility.
CMHC’s MLI Select program isn’t just a mortgage solution — it’s a strategic financing platform aligned with Canada’s National Housing Strategy. It was designed to support long-term investors like you who want to scale responsibly while meeting the country’s growing demand for affordable, sustainable rental housing.
By aligning your investment with MLI Select, you can:
Access up to 95% loan-to-value to preserve your capital for future acquisitions
Extend amortization to 50 years, improving cash flow and debt servicing
Qualify for preferential insured rates, often below what private or B lenders offer
Increase your portfolio’s value by incorporating affordability, energy efficiency, or accessibility improvements
Tap into long-term financing typically reserved for institutional developers
Rather than funding builds directly, CMHC leverages investor capital by offering incentives to projects that align with national policy goals — ultimately helping to solve Canada’s rental housing shortage faster and smarter.
Beyond investor benefits, MLI Select was designed to address systemic issues affecting Canadian renters and communities.
The MLI Select program isn’t just socially responsible — it creates tangible advantages for real estate investors who align their properties with national housing priorities. By contributing to sustainable and inclusive rental housing, you unlock access to superior financing terms while building long-term asset value.
Investors who implement energy-efficient retrofits or build high-performance properties can reduce utility expenses, increase NOI, and qualify for up to 50 points under CMHC’s scoring system. This opens the door to 95% LTV and 50-year amortizations.
By incorporating accessibility features such as no-step entryways or adaptable units, you position your property for long-term demand from seniors and mobility-challenged tenants — a fast-growing and underserved rental segment.
Keeping rents below 30% of median income not only strengthens tenant retention, it allows your project to earn up to 100 points toward CMHC qualification. This can translate into lower insured rates, reduced capital requirements, and enhanced portfolio growth.
These benefits position MLI Select as not only a powerful financing strategy for investors, but also as a solution that advances national housing, climate, and accessibility goals.
If you’ve hit borrowing limits with duplexes or fourplexes, this is your next move. MLI Select allows you to:
To qualify, your property must achieve at least 50 points across three scoring categories. Higher scores unlock better terms:
| Category | What Qualifies | Points |
|---|---|---|
| Affordability | Rents < 30% of median income | Up to 100 |
| Energy Efficiency | 25%+ energy use reduction | Up to 50 |
| Accessibility | Barrier-free entrances & units | Up to 30 |
Enter a property price to compare monthly payments and down payments.
We guide you through every step of the MLI Select process:
Ready to scale your portfolio with smarter financing? This exclusive toolkit helps you assess eligibility, prepare your file, and compare funding options for your 5+ unit apartment purchase or refinance.
Download the toolkit, complete the worksheet, and book your free discovery call — we’ll walk you through your next investment step-by-step.
Includes:
After submitting your email, you’ll receive an instant download link:
Click here to download the worksheet directly
Join us for a 30-minute webinar where we cover CMHC scoring, affordability benchmarks, and real investor case studies. Can’t attend live? Register anyway and get the replay!
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