Investment Strategy I n v e s t m e n t S t r a t e g y

CMHC-insured commercial mortgages offer up to 85% LTV (95% LTC for MLI Select new build) with up to 50-year amortization, priced off the 5-year CMB plus a spread (LendCity™'s MLI Select estimate: 4.84%–5.59% as of Oct 20, 2026). Conventional loans: 65-75% LTV at the 5-year CMB plus a lender spread (quote-dependent) with 25-year amortization. CMHC base premium ~2.5-6%+ under July 2025 risk-based pricing (10-30% premium discount with MLI Select at 50/70/100 points; +0.25% per 5-yr amort over 25 yrs), usually offset by lower pricing. Best for 5+ unit multifamily. Conventional better for smaller deals or faster closing.