Portfolio Growth Financing Map
Which desk funds the next door — before you stack two applications that compete.
A gated PDF map of typical financing sequence from the first rental through CMHC multifamily, including usable equity (cash plus refinance you will actually pull).
Name the wall
If you already have four A-lender rentals, another A-lender app is often the wrong next move.
Usable equity only
Paper home-equity you will not refinance does not buy the fifth door.
CMHC is a 5+ unit product
The map does not pretend MLI works on a duplex.
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A-lender residential
Income, credit, and the stress test. GDS/TDS still bind.
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Usable equity
Cash plus refinance you will actually pull.
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Why files stall
Many A-lenders cap uninsured rentals.
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B-lenders / DSCR (Canada)
Size on the property, not only personal TDS.
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MLI Standard
85% LTV, 40-year amort, min DCR 1.30 / 1.20 by term.
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MLI Select
Points for 5% down and longer amort. Min DCR 1.10 on standard rental.
- Is the four-mortgage cap a law?
- No. It is a common A-lender policy. Some desks will go further; many will not.
- When does MLI Select apply?
- On qualifying 5+ unit rentals that can score at least 50 points. 5% down is a Select outcome, not a 1–4 unit product.
Email to download
Name and email. We send the file and can follow up on the matching desk.