Ottawa's federal government workforce, two major universities, and a fast-growing tech corridor create one of Canada's most resilient rental markets. CMHC MLI Select layers 95% LTV financing and 50-year amortizations on top of those fundamentals, giving capital region investors and developers the leverage to build, acquire, and refinance purpose-built rentals with a fraction of the equity required elsewhere.
With an Ottawa-Gatineau population near 1.5 million and a sub-2% rental vacancy rate, the capital region's multi-family market is anchored by tenants that almost no other Canadian city can match — public servants, diplomats, NGO staff, students, and tech workers. MLI Select rewards purpose-built rental projects in this market with the highest leverage available in Canada.
Achieve 95% loan-to-value financing on Ottawa multi-family properties — keeping equity available for renovations, additional buildings, or Gatineau-side acquisitions.
Earn points for high-performance envelopes and mechanical upgrades — particularly valuable for Ottawa's century-old triplexes in Sandy Hill, Centretown, and Old Ottawa South.
Ottawa's vacancy crunch means below-market units rent immediately. Including affordability commitments earns bonus points and meaningful premium discounts.
Universal accessibility features score extra points and align with strong demand from Ottawa's aging public-service workforce and accessible housing initiatives.
Stretching amortization to 50 years dramatically improves DSCR on Ottawa acquisitions where pricing sits between Toronto and Edmonton.
Federal employment provides recession-resistant cash flow that lenders reward with sharper rates and faster approvals under MLI Select.
Unlock 95% LTV financing across Ottawa's purpose-built rental, infill, and acquisition scenarios.
Build new purpose-built rentals across Ottawa — from LRT-adjacent mid-rise in Hintonburg to fourplex infill in Vanier — with 95% LTV construction-to-permanent financing under MLI Select.
Purchase existing Ottawa or Gatineau apartment buildings — from Sandy Hill triplexes to Hunt Club mid-rise — and access MLI Select financing at 95% LTV when the property meets affordability and efficiency standards.
Refinance existing Ottawa or Gatineau multi-family mortgages into MLI Select to access higher leverage, lower rates, and 50-year amortizations on stabilized purpose-built rentals.
Ottawa's stock of pre-1980 walk-up apartments in Centretown, Sandy Hill, and Old Ottawa South offers some of the strongest MLI Select energy-retrofit upside in Canada. We structure financing to cover envelope, mechanical, and electrification upgrades that drive points.
Ottawa-area projects need to meet CMHC's baseline MLI Select rules — but our team focuses on stacking affordability, energy efficiency, and accessibility points to unlock the deepest premium discounts available in the National Capital Region.
“If anyone is looking for a mortgage broker, I highly recommend Chris Micucci! Chris was an invaluable resource to me as a first time US investor. He was super…”
“Lendcity is the best mortgage broker for real estate investors. I was first referred to Scott Dillingham (president) when I had 5 investment properties and was…”
“This is a review hard to put into words, mainly because LendCity™ (specifically Kristen and Scott) surpassed expectations to the Nth degree. I'd rate them 10…”
“I had a difficult situation for a great investment property, no one in the city could figure it out. Lendcity stepped in and put me on the path to purchase my…”
“Scott and his team at LendCity™ Mortgages have been nothing but helpful and fast at getting me a mortgage loan. They are a knowledgeable group that helped me…”
“Scott and the staff at Lendcity worked hard to provide us investment property financing! When the told us no, we went to Lendcity and received financing at…”
Everything you need to know about ottawa mli select financing options.
Calculate your max MLI loan and talk to CMHC program specialists.
We use privacy-friendly analytics (no ad tracking). Calculator settings are saved on your device. See our Privacy Policy .
