Mortgage Qualification M o r t g a g e Q u a l i f i c a t i o n

Commercial mortgages work differently than residential: qualify based on property cash flow (1.2+ DSCR) not personal income. 25-35% down payment, 5-6.5% rates, 25-year amortization. Property types: multifamily, retail, office, industrial. CMHC MLI Select available for 5+ unit multifamily with 85% LTV.