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Multi-Family Mortgage Financing

Acquisition and refinance solutions for apartment buildings and 5+ unit properties. From CMHC MLI Select to high-leverage U.S. DSCR programs, we fund your portfolio growth.

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1

Deal Review

Send us your rent roll and expenses

2

LOI Stage

Get a Letter of Intent from our lenders

3

Funding

Close your multi-family acquisition

Why Choose Us

Expertise in High-Density Residential

Multi-family properties are businesses. We analyze your rent rolls, trailing-12 P&Ls, and occupancy rates to find the lender that recognizes the full value of your asset.

5%
Min. Down (CMHC)
40yr
Max Amortization
1.1x
Min. DSCR
50+
Lender Partners

Apartment Building Expertise

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.

CMHC MLI Select Specialists

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.

Scalable Portfolio Solutions

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.

Flexible Equity Requirements

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.

Investor-First Underwriting

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.

Cross-Border Capability

Buying multi-family in the U.S. or Mexico? We provide seamless cross-border financing solutions for multi-unit properties across North America.

Ready to finance your multi-family property?

Let's discuss your deal and find the right financing solution.

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Financing Options

Multi-Family Loan Programs

We offer a comprehensive suite of lending products designed specifically for the unique needs of multi-family property owners and developers.

Purchase

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.

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What's Included

  • Evaluated on rental income potential
  • 5+ unit properties and apartment buildings
  • Market-based underwriting approach
  • Competitive rates for stabilized properties
  • Flexible terms for value-add opportunities

Refinance

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.

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What's Included

  • Rate and term refinancing
  • Cash-out for new acquisitions
  • Access equity for improvements
  • Debt consolidation options
  • Portfolio refinancing available

Bridge

Short-term solutions during occupancy increases or renovations. Bridge financing gives you the flexibility to acquire, stabilize, and refinance into permanent debt.

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What's Included

  • Finance properties with higher vacancy
  • Stabilization period financing
  • Quick closing for time-sensitive deals
  • Interest-only payment options
  • Clear path to permanent financing

Value-Add

Financing for improvement projects that boost rental income and property value. Renovate units, upgrade amenities, and reposition your property for higher returns.

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What's Included

  • Unit renovation financing
  • Common area upgrades
  • Amenity additions
  • Energy efficiency improvements
  • Based on projected post-renovation income

Development

Ground-up construction financing for new multi-family projects. From land acquisition through lease-up, we provide comprehensive development financing solutions.

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What's Included

  • Land acquisition financing
  • Construction loan structuring
  • Flexible draw schedules
  • Construction-to-permanent options
  • Pre-leasing support programs

Permanent

Long-term mortgages for stabilized, cash-flowing properties. Lock in competitive rates with terms that match your investment horizon and maximize your returns.

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What's Included

  • Competitive long-term rates
  • Terms from 5-30 years
  • Fixed and adjustable options
  • Non-recourse available
  • Assumable loan options

Portfolio

Consolidate multiple properties under one blanket mortgage for simplified management and potentially better terms. Scale your portfolio efficiently.

Discuss this financing option

What's Included

  • Single loan for multiple properties
  • Simplified portfolio management
  • Release provisions available
  • Cross-collateralization benefits
  • Streamlined reporting

CMHC/Agency

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.

Discuss this financing option

What's Included

  • Lowest available interest rates
  • Up to 95% LTV with CMHC
  • Long amortization periods
  • Non-recourse options
  • Best for stabilized properties
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FAQ

Questions About Multi-Family Loan Programs

Everything you need to know about multi-family loan programs.

Multi-Family Basics

In commercial lending, multi-family refers to residential buildings with 5 or more self-contained units. Properties with 2-4 units are typically treated as residential but can sometimes qualify for commercial programs if owned in a corporation or part of a larger portfolio.
Lenders focus primarily on the property's Net Operating Income (NOI) and Debt Service Coverage Ratio (DSCR). They also evaluate the building's physical condition, location, and the borrower's experience. A clean rent roll and up-to-date operating statements are critical.
Yes, through the CMHC MLI Select program, you can qualify for up to 95% LTV (5% down) if the project meets specific affordability, energy efficiency, or accessibility criteria. This is one of the highest leverage options in Canadian commercial real estate.
A bridge loan is a short-term (1-2 year) interest-only loan used to acquire a property, perform renovations or "stabilize" the tenant base, and then refinance into long-term permanent debt. It's the hallmark of the "Value-Add" strategy.

CMHC & Programs

MLI Select is a points-based program. You earn points for Affordability (keeping rents low), Energy Efficiency (reducing carbon footprint), and Accessibility. More points lead to higher LTVs (up to 95%), lower insurance premiums, and longer amortizations (up to 50 years). A minimum of 50 points is required to enter the program.
Most conventional lenders look for 1.20x to 1.30x. CMHC programs can go as low as 1.10x for certain affordable housing or highly efficient projects, allowing for much higher leverage than traditional commercial loans.
Absolutely. Many investors use a "BRRRR" strategy (Buy, Renovate, Rent, Refinance, Repeat) on a larger scale. We help you extract equity from stabilized assets to provide the down payment for your next acquisition.
For larger multi-family buildings (e.g., 20+ units), many lenders prefer or require professional property management to ensure the asset is maintained and the income is stable. For smaller buildings, self-management may be permitted if you have a proven track record.
Expect to pay for a commercial appraisal ($3k-$6k), Phase 1 Environmental report ($2k-$4k), building condition report ($2k-$5k), legal fees, and lender/brokerage fees. Total closing costs are typically 1-3% of the loan amount.

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