CMHC insured multi-family mortgages for 5+ unit rental buildings across Canada. We structure MLI Standard and MLI Select financing for purchases, construction take-outs and refinances, then package the file for a CMHC-approved lender.
Multi-family properties are businesses, and we underwrite them like one. For active operators scaling 5–300+ door portfolios, we analyze your rent rolls, trailing-12 P&Ls, and occupancy to find the lender that recognizes the full value of your asset.
Whether it's a 5-unit walk-up or a 200-unit high-rise, we understand how to underwrite multi-family assets based on Net Operating Income and market cap rates.
Access the lowest rates in Canada through CMHC's MLI Select program. We help you navigate the points system for affordability, energy efficiency, and accessibility.
We don't just fund one deal; we help you build a portfolio. Our lenders offer blanket mortgages and staged financing to help you scale your multi-family holdings.
From low-down-payment insured loans to conventional financing with competitive LTVs, we find the right balance of leverage and cash flow for your investment strategy.
We look at the property's potential. If you have a value-add project with significant upside, we connect you with bridge lenders who fund based on future stabilized value.
Buying multi-family in the U.S. or Mexico? We provide seamless cross-border financing solutions for multi-unit properties across North America.
Deep experience with CMHC's MLI Standard program for established apartment buildings with 5+ units, offering up to 85% LTV and 40-year amortization for stabilized properties.
Expert guidance on short-term bridge financing with a clear transition path to permanent CMHC-insured debt, enabling rapid acquisition and subsequent refinancing into best-rate programs.
We offer a comprehensive suite of lending products designed specifically for the unique needs of multi-family property owners and developers.
Acquisition loans evaluated on rental income and market potential rather than restrictive bank formulas. Whether it's a 5-unit building or a 100+ unit complex, we structure financing that makes sense.
Reduce your rates, lower your payments, or access your equity with refinancing options designed for multi-family investors. Pull capital out for your next acquisition or improvements.
Short-term solutions during occupancy increases or renovations. Bridge financing gives you the flexibility to acquire, stabilize, and refinance into permanent debt.
Financing for improvement projects that boost rental income and property value. Renovate units, upgrade amenities, and reposition your property for higher returns.
Ground-up construction financing for new multi-family projects. From land acquisition through lease-up, we provide comprehensive development financing solutions.
Long-term mortgages for stabilized, cash-flowing properties. Lock in competitive rates with terms that match your investment horizon and maximize your returns.
Consolidate multiple properties under one blanket mortgage for simplified management and potentially better terms. Scale your portfolio efficiently.
Access CMHC (Canada), Fannie Mae, and Freddie Mac (USA) programs offering the lowest rates and longest terms available. These programs are ideal for stabilized, well-maintained properties.
CMHC and the approved lender underwrite the property and the borrower. These are the typical requirements, and the documents you will need to bring.
| MLI Standard | MLI Select, 50 points | MLI Select, 70 points | MLI Select, 100+ points | |
|---|---|---|---|---|
| Max LTV | 85% | 85% existing, 95% new construction | 95% | 95% |
| Max amortization | 40 years | 40 years | 45 years | 50 years |
| Min DSCR | 1.30x (5-year term) / 1.20x (10-year term) | 1.10x | 1.10x | 1.10x |
| Premium discount | None | 10% | 20% | 30% |
| Recourse | Full | Full | Full | Limited |
Pick the stage that matches your file — then follow the links.
First rental through door four — learn, underwrite, get approved.
Past the four-mortgage wall — portfolio structure and the next acquisition.
Canadians buying US cash-flow — DSCR, entities, and state playbooks.
5+ units, CMHC MLI, development takeout, and capital plans.
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Everything you need to know about multi-family loan programs.
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