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MLI Select Premium Changes: How We Restructured a 50-Year Amort Deal After July 2025 .
Scott Dillingham explains CMHC MLI Select premium adjustments after July 2025 and how we restructured a 50-year amortization multi-family deal to keep the file alive.
CMHC MLI Select premium and amortization rules shifted in July 2025 — 50-year amortization remains available at 100+ points but premium tiers and add-to-mortgage treatment changed deal math. Restructure by re-scoring points, adjusting amortization to 40 years if needed, and financing premiums into LTV while stress-testing DSCR at 1.10x.
Scott Dillingham
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