Maximize leverage on your Ontario rental property with CMHC MLI Select. Up to 85% LTV, 50-year amortization, and below-market insured rates — structured by FSRA licensed specialists.
MLI Select — Key Parameters
Why MLI Select
CMHC MLI Select is a points-based program that rewards affordable housing, energy efficiency, and accessibility — giving qualifying Ontario rental projects access to superior financing terms.
Higher LTV — Up to 85%
Access significantly more leverage than conventional financing. MLI Select allows up to 85% loan-to-value on qualifying rental properties, reducing equity required.
50-Year Amortization
Extend your amortization up to 50 years — dramatically reducing monthly debt service and improving cash-on-cash returns across your portfolio.
Below-Market Insured Rates
CMHC-insured mortgages carry the lowest rates available in Canada. MLI Select properties qualify for insured pricing well below conventional commercial rates.
Energy Efficiency Bonuses
Properties achieving energy efficiency targets earn bonus MLI Select points — unlocking higher LTV tiers and premium financing terms.
Affordable Housing Points
Dedicating a portion of units to affordable rents earns significant points under the MLI Select scoring model, improving your eligibility tier.
Acquisitions & Refinances
MLI Select applies to both new acquisitions and refinancing of existing rental properties with 5+ units across Ontario.
Our Process
Free Strategy Call
We review your project details, assess MLI Select eligibility, and outline your optimal financing structure — all in 30 minutes.
MLI Select Scoring
We calculate your points score across affordability, accessibility, and energy efficiency to determine your maximum LTV tier.
Lender Proposal
We go to market across our 10+ lender panel to find the best rate, structure, and terms for your specific project.
CMHC Submission
We manage the full CMHC application and lender submission — coordinating all parties through to a successful close.
Eligibility
✔ Typically qualifies
✗ Typically does not qualify
Free Consultation
Tell us about your project. We'll assess your MLI Select eligibility and outline the optimal financing structure — at no cost and no obligation.
FSRA Licensed · Lic.#13169 · We respond within 24 hours · No obligation