MLI Select Evidence Checklist
The backup behind the points — so underwriting is not a verbal story.
A document-level list of what LendCity™ expects when a file claims affordability, energy, or accessibility points, plus the 50 / 70 / 100 benefit reminder.
Points without paper do not fund
Lenders and CMHC will ask how you got to 70. This list is that answer in checklist form.
Name the energy baseline
2020 NECB/NBC vs legacy attestation (until 30 Sep 2026) changes the % ladder. The file makes you pick one.
Access is capped
15% accessible → 20 points; 100% → 30. Do not model 50 access points that CMHC will not give.
MLI Select needs at least 50 total points. The financing tier is the highest threshold your total meets — 50, 70, or 100. Points come from affordability, energy, and accessibility (plus a commitment bonus on affordability).
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50 points
Entry tier. Existing properties: up to 85% LTV and 40-year amortization. New construction: up to 95% LTC and 40-year amortization. 10% premium discount.
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70 points
Up to 95% LTV/LTC and 45-year amortization. 20% premium discount.
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100 points
Up to 95% LTV/LTC, 50-year amortization, limited recourse. 30% premium discount.
Rents versus median renter income, with a minimum 10-year commitment. A 20-year commitment adds 30 bonus points.
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Median renter income for the market
Compare designated-unit rents to 30% of median renter income — not listing asking rent alone.
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Share of units at affordable rent
New construction: 10% / 15% / 25% of units. Existing: 40% / 60% / 80% of units for the 50 / 70 / 100 thresholds.
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Commitment term
Minimum 10 years. 20+ years unlocks the +30 commitment bonus.
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Affordability / social-outcomes attestation
Signed attestation that the designated units and term will be maintained.
Score against the code baseline on the energy report. The same percentage maps to different point levels on 2020 NECB/NBC versus a legacy attestation.
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Code baseline named on the report
2020 NECB Tier 1, 2020 NBC Tier 1, or a legacy 2017 NECB / 2015 NBC attestation (legacy accepted until Sep 30, 2026).
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% improvement versus that baseline
New construction vs 2020 NECB: 25% / 50% / 60% better → 20 / 35 / 50 points. Existing: 15% / 25% / 40% reduction vs pre-retrofit.
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Third-party verification or energy attestation
Energy model, EnerGuide, or CMHC energy-efficiency criteria attestation.
Baseline for all levels: 100% of units visitable and common areas barrier-free (CSA B651:23).
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Visitable units and barrier-free common areas
Required at every accessibility level.
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Accessible or universal-design share
Level 1 (20 pts): ≥15% accessible, or ≥15% universal design, or RHF 60–79%. Level 2 (30 pts): ≥15% accessible and ≥85% universal, or 100% universal / accessible, or RHF Gold ≥80%.
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Accessibility criteria attestation
Signed attestation (and drawings or an accessibility report when claiming the higher share).
- Can I claim energy points without a third-party report?
- Plan on third-party verification or a CMHC energy attestation. A brochure is not evidence.
- What is the affordability rent test?
- Designated units at or below 30% of median renter income for the market. Share of units on that test sets 50 / 70 / 100 on the affordability ladder.
Email to download
Name and email. We send the file and can follow up on the matching desk.