Real CMHC MLI Financing Results
Six real clients who used CMHC MLI Select, MLI Standard, and bridge-to-CMHC strategies to finance multi-family across Canada. Real leverage, real equity created, real cash flow.
An experienced Ontario investor used CMHC MLI Select affordability points to acquire a 24-unit Edmonton apartment building with just 5% down — preserving capital to buy a second building the same year.
A husband-wife development team used bridge financing to convert a vacant Toronto office building into 40 residential units, then refinanced into CMHC permanent debt — extracting $1.15M cash at stabilization.
A residential builder transitioned to purpose-built rental development, using ACLP construction financing and MLI Select with a perfect 100-point score to achieve 50-year amortization on a 60-unit project.
A residential contractor used CMHC ACLP construction financing and MLI Select permanent takeout to build a 32-unit apartment with just $680,000 equity on a $13.6 million project.
An experienced multifamily operator structured a GP/LP partnership for a 48-unit Calgary apartment with 8 limited partners contributing $1.6M in equity, projecting 14.2% annualized returns over a 5-year hold.
An investor used MLI Select energy efficiency and accessibility points to finance a 20-unit seniors housing building at 95% LTV with 40-year amortization, serving adults 55+ with barrier-free housing.
From the Field — Scott's Experience
These case studies show outcomes. Scott Dillingham's first-person posts explain how the files were structured, what changed mid-process, and what he'd do differently on the next deal.
Alberta acquisitions
What I Learned Closing MLI Select Deals in Alberta
Affordability points, lender appetite, and Prairie DSCR math on 95% LTV files.
Bridge-to-CMHC
Bridge-to-CMHC: The 90-Day Playbook
The conversion timeline behind our Toronto office-to-residential case study.
Policy changes
MLI Select Premium Changes After July 2025
How premium tier shifts affected 50-year amortization restructuring on a live file.
Explore CMHC MLI Programs
Ready to run your own numbers? Use our calculators and program guides, or book a call with a broker who structures these files every week.
Ready to Start Your Investment Journey?
Our team of experts is here to help you find the best financing solutions for your goals.