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MLI SELECT

Guide complet du programme d’assurance prêt hypothécaire MLI Select de la SCHL pour les immeubles locatifs multi-logements au Canada.

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Dernière mise à jour mars 2026

Ce site Web n’est pas affilié à la Société canadienne d’hypothèques et de logement (SCHL), ni approuvé ou officiellement lié à celle-ci. Tous les résultats des calculateurs sont à des fins illustratives et éducatives uniquement et ne constituent pas des conseils financiers, juridiques ou en investissement. Consultez toujours des professionnels qualifiés et vérifiez les directives actuelles à cmhc-schl.gc.ca.

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Comparaison des flux de trésorerie

Voyez comment le financement MLI Select se compare au prêt conventionnel pour votre immeuble multi-logements.

The total purchase price or appraised value of the building. For new construction, this is the total development cost.
$5M
How many rental apartments or suites are in the building. MLI Select requires a minimum of 5.
50
The average monthly rent you expect to collect per unit. Include both market-rate and affordable units in this average.
The percentage of your rental income that goes to expenses like property tax, insurance, maintenance, property management, and utilities. 35% is typical for well-managed multi-unit buildings.
35%
Your project's score from the Score Calculator. This determines your LTV and amortization — which directly affects your monthly payment and cash flow.
70

MLI rate: 3.65% (CMB-backed). Conventional: 5.5%, 75% LTV, 25yr amort. These are illustrative defaults — actual terms vary.

MLI SELECT
Conventional
Down Payment
The cash you need upfront. With MLI Select at 95% LTV, you only need 5% of the property value. Without it, banks typically require 25%.
$250,000$1,250,000
Loan Amount
$4,750,000$3,750,000
Interest Rate
3.6%5.5%
Amortization
45 yrs25 yrs
Monthly Mortgage
Your monthly loan payment including principal and interest. Lower payment = more cash in your pocket each month.
$17,925$23,028
Monthly NOI
Your rental income minus operating expenses, BEFORE paying the mortgage. This is the money available to cover your loan payment.
$48,750$48,750
Monthly Cash Flow
What's left after paying the mortgage from your NOI. Positive = money in your pocket every month. Negative = you're paying out of pocket. This is the number that matters most.
$30,825$25,722
Cash-on-Cash Return
Your annual cash flow divided by your down payment. It tells you the percentage return on the actual cash you invested. 10% means you earn $10 per year for every $100 you put in.
148.0%24.7%
DSCR
How many times your NOI covers your mortgage payment. CMHC requires at least 1.10x for standard rental — meaning your income is at least 10% more than your mortgage. Higher is safer.
2.72x2.12x
Down Payment Saved
+$1,000,000
Monthly Advantage
+$5,103
Annual Advantage
+$61,240

Need investor-grade financials?

Get a Pro Report with full cash flow projections →

This comparison uses simplified assumptions. Actual financing terms depend on lender requirements, property specifics, and current market conditions. Always consult with a qualified mortgage professional.

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Les résultats sont à titre indicatif seulement. Les conditions de financement réelles dépendent des exigences du prêteur et des directives de la SCHL. Vérifiez à cmhc-schl.gc.ca.