Build Wealth Through Canadian Multi-Unit Real Estate
CMHC MLI Select offers up to 95% financing with 50-year amortizations for multi-unit rental properties. The most powerful government-backed real estate financing program in Canada.
Powerful Free Tools
Run the numbers before you talk to anyone. Every tool is free, instant, and requires zero sign-up.
Score Calculator
Calculate your project's MLI Select score based on affordability, energy efficiency, and accessibility commitments.
Try itCash Flow Analyzer
Compare MLI Select financing against conventional lending side-by-side and see the real cash flow difference.
Try itPremium Estimator
Estimate your CMHC insurance premium with the July 2025 rate framework and see how points reduce costs.
Try itHow It Works
Three steps from idea to funded project.
Score Your Project
Input your project details into our scoring calculator. See exactly where you stand on affordability, energy efficiency, and accessibility — and which financing tier you unlock.
Model Your Financing
Use the cash flow analyzer to compare MLI Select against conventional lending. See the real difference in down payment, monthly cash flow, and long-term returns on your investment.
Get Expert Help
Connect with an MLI Select specialist who can review your numbers, optimize your scoring strategy, and guide you through the CMHC application process from start to finish.
Who It's For
MLI Select serves a range of real estate professionals and investors across Canada.
First-Time Investors
- Get into multi-unit real estate with as little as 5% down
- Access 40-50 year amortizations that dramatically improve cash flow
- Government-backed rates typically lower than conventional options
Experienced Investors
- Scale your portfolio with maximum leverage on each property
- Stack MLI Select with provincial incentives for enhanced returns
- Limited recourse at 100 points protects your personal assets
Mortgage Brokers
- Offer clients a financing option most brokers overlook entirely
- Use our free tools to model scenarios during client meetings
- Differentiate your practice with CMHC program expertise
Developers
- Finance new construction with up to 95% LTV and 50-year terms
- Reduce equity requirements while meeting affordability mandates
- Premium discounts of up to 30% at the highest scoring tier
By The Numbers
Based on official CMHC documentation and the latest July 2025 premium framework.
Rental units insured by CMHC in the last decade
Units insured via MLI Select in 2023 alone
Maximum amortization at 100 points — the longest in Canada
Source: CMHC Official Site
Ready to Explore MLI Select Financing?
Talk to an MLI Select specialist about your multi-unit investment project.
Book a Free Consultation →