MLI Select Points Calculator
Calculate your CMHC MLI Select score in minutes. See your affordability, energy efficiency, and accessibility points—instantly.
LendCity Mortgages
MLI Select Points Calculator
MLI Select Points Calculator
Property Information
Category 1: Affordability
Existing: 40% → 50 pts · 60% → 70 · 80% → 100
50 points
Category 2: Energy Efficiency
Existing retrofit: ≥15% → 20 · ≥25% → 35 · ≥40% → 50
0 points
Category 3: Accessibility
≥15% → 20 pts · 100% → 30 pts (CMHC cap)
0 points – Below 15% threshold
Total Points
Qualifies (50+ pts)
Get your results by email — free
Speak with a lending specialist to explore your options
LendCity Mortgages
Ready to take the next step?
This MLI Select Points Calculator analysis is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.
Contact Information
+1 (226) 783-1640
scott@lendcity.ca
4769 Wyandotte St E
Windsor, ON N8Y 1H8
lendcity.ca
| Points Tier | Premium Discount | Max Leverage |
|---|---|---|
| 50 points | 10% off | Up to 85% LTV |
| 70 points | 20% off | Up to 95% LTV · 45 yr |
| 100 points | 30% off | 95% LTC · 50 yr |
How to Calculate Your MLI Select Points
Use this calculator to estimate your MLI Select qualification score based on affordability, energy efficiency, and accessibility commitments. Get your score in minutes and see what financing benefits you could qualify for.
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Enter Property Details
Provide basic information about your multi-unit property including total units and province.
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Score Your Commitments
Calculate points for affordability (rent restrictions), energy efficiency (certification level), and accessibility (barrier-free units).
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See Your Benefits
Instantly view your total score, qualification level, and potential financing benefits including LTV, amortization, and insurance discounts.
What is CMHC MLI Select?
Learn how MLI Select can unlock enhanced financing benefits for your multi-unit property investment.
CMHC MLI Select is an enhanced mortgage insurance program designed specifically for multi-unit residential properties that commit to social and environmental outcomes. Launched as part of CMHC's broader mandate to support affordable housing and sustainability, MLI Select rewards property owners who align their investments with national housing and environmental goals.
Unlike traditional MLI Standard financing, which requires only standard underwriting, MLI Select creates a points-based qualification system. Properties earn points across affordability (units at or below 30% of median renter income), energy efficiency (percent improvement vs baseline/code), accessibility (universal design), and an optional longer affordability commitment. These points directly translate into more favorable financing terms.
Key Advantages of MLI Select
- • Higher LTV: Up to 95% loan-to-value vs. 85% for MLI Standard
- • Longer Amortization: Up to 50 years (at maximum points) vs. 40 years standard
- • Insurance Discounts: Up to 30% savings on CMHC insurance premiums
- • Lower DCR Requirements: 1.10 minimum vs. 1.20-1.30 for conventional lenders
- • Limited Recourse: Personal liability is capped, reducing personal risk exposure
How the MLI Select Points System Works
The MLI Select points calculator scores affordability, energy, and accessibility, plus an optional +30 commitment bonus for 20+ year affordability commitments. A minimum of 50 points is required to qualify for MLI Select financing; benefit tiers unlock at 50, 70, and 100 points.
Category 1: Affordability
Affordability points reward units rented at or below 30% of median renter income. Existing buildings score 50/70/100 points at 40%/60%/80% of units. New construction scores 50/70/100 points at 10%/15%/25% of units. Committing for 20+ years adds a +30 point bonus on top of the affordability ladder.
Category 2: Energy Efficiency
Energy points use percent-improvement ladders versus a baseline or energy code (NECB, NBC, or legacy for new construction). Existing buildings typically earn 20/35/50 points at 15%/25%/40% energy reduction. Third-party verification is required to claim points.
Category 3: Accessibility
Accessibility points recognize universal design and barrier-free units. 15% or more accessible units earns 20 points; 100% accessible earns 30 points. Below 15% earns no points in this category.
Points Translate to Real Benefits
Your total MLI Select score directly determines your financing benefits. Here's what each qualification level unlocks:
50-69 Points: Qualifies
85% LTV existing / 95% LTC new | 40-year amortization | 10% premium discount
70-99 Points: Enhanced Benefits
95% LTV | 45-year amortization | 20% premium discount
100+ Points: Maximum Benefits
95% LTV | 50-year amortization | 30% premium discount | limited recourse
For investors, the difference is substantial. On a $5 million acquisition with 95% LTV and a 30% insurance premium discount, an MLI Select deal could save $40,000-$60,000+ compared to MLI Standard financing. Add in the longer 50-year amortization at maximum points, and monthly debt service drops significantly, improving cash flow and returns.
Who Should Consider MLI Select?
MLI Select is ideal for:
- • PBR Developers: Purpose-built rental projects with affordability components naturally score high
- • Institutional Investors: Seeking ESG alignment and stable, long-term rental income
- • Retrofit Projects: Existing buildings upgraded for energy efficiency or accessibility
- • Specialized Housing: Seniors' residences, student housing, and accessible rental properties
- • Capital-Constrained Buyers: The 95% LTV means less upfront equity required
Getting Your MLI Select Financing
The first step is calculating your points using this free calculator. Once you know your score, our lending specialists can help you prepare documentation, structure your commitment (affordability, energy, or accessibility), and guide you through the CMHC MLI Select application process. We work closely with CMHC and lenders to ensure your application is competitive and approved efficiently.
MLI Select financing can be a game-changer for the right property and investor profile. Whether you're building new, retrofitting existing assets, or acquiring stable income-producing rentals, understanding your MLI Select points is the first step toward optimized financing.
What is CMHC MLI Select?
Learn how MLI Select can unlock enhanced financing benefits for your multi-unit property investment.
-
Key Advantages of MLI Select
Unlike traditional MLI Standard financing, which requires only standard underwriting, MLI Select creates a points-based qualification system. Properties earn points across affordability (units at or below 30% of median renter income), energy efficiency (percent improvement vs baseline/code), accessibility (universal design), and an optional longer affordability commitment. · Higher LTV: Up to 95% loan-to-value vs. 85% for MLI Standard · Longer Amortization: Up to 50 years (at maximum points) vs. 40 years standard · Insurance Discounts: Up to 30% savings on CMHC insurance premiums · Lower DCR Requirements: 1.10 minimum vs. 1.20-1.30 for conventional lenders · Limited Recourse: Personal liability is capped, reducing personal risk exposure
-
Who Should Consider MLI Select?
MLI Select is an enhanced mortgage insurance program designed specifically for multi-unit residential properties that commit to social and environmental outcomes. · PBR Developers: Purpose-built rental projects with affordability components naturally score high · Institutional Investors: Seeking ESG alignment and stable, long-term rental income · Retrofit Projects: Existing buildings upgraded for energy efficiency or accessibility · Specialized Housing: Seniors' residences, student housing, and accessible rental properties · Capital-Constrained Buyers: The 95% LTV means less upfront equity required
How the MLI Select Points System Works
The MLI Select points calculator scores affordability, energy, and accessibility, plus an optional +30 commitment bonus for 20+ year affordability commitments. A minimum of 50 points is required to qualify for MLI Select financing; benefit tiers unlock at 50, 70, and 100 points.
-
Category 1: Affordability
Affordability points reward units rented at or below 30% of median renter income. Existing buildings score 50/70/100 points at 40%/60%/80% of units. New construction scores 50/70/100 points at 10%/15%/25% of units. Committing for 20+ years adds a +30 point bonus on top of the affordability ladder.
-
Category 2: Energy Efficiency
Energy points use percent-improvement ladders versus a baseline or energy code (NECB, NBC, or legacy for new construction). Existing buildings typically earn 20/35/50 points at 15%/25%/40% energy reduction. Third-party verification is required to claim points.
-
Category 3: Accessibility
Accessibility points recognize universal design and barrier-free units. 15% or more accessible units earns 20 points; 100% accessible earns 30 points. Below 15% earns no points in this category.
Points Translate to Real Benefits
Your total MLI Select score directly determines your financing benefits. Here's what each qualification level unlocks:
| 50-69 Points: Qualifies | 85% LTV existing / 95% LTC new | 40-year amortization | 10% premium discount |
|---|---|
| 70-99 Points: Enhanced Benefits | 95% LTV | 45-year amortization | 20% premium discount |
| 100+ Points: Maximum Benefits | 95% LTV | 50-year amortization | 30% premium discount | limited recourse |
For investors, the difference is substantial. On a $5 million acquisition with 95% LTV and a 30% insurance premium discount, an MLI Select deal could save $40,000-$60,000+ compared to MLI Standard financing. Add in the longer 50-year amortization at maximum points, and monthly debt service drops significantly, improving cash flow and returns.
MLI Select Points & Financing FAQs
Common questions about how MLI Select points work, what benefits you qualify for, and how to apply.
Points System
MLI Select Basics
Application & Next Steps
Benefits & Qualification Levels
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