CMHC MLI Select Program

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Canada Mortgage and Housing Corporation’s MLI Select program

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What is CMHC MLI?

What is it?

CMHC MLI Select stands for Canada Mortgage and Housing Corporation Multi-Unit Loan Insurance Select. This program is designed to support the development, preservation, and enhancement of multi-unit residential buildings in Canada, with a strong emphasis on affordability, accessibility, and environmental sustainability.

Key Highlights of MLI Select

Flexible Financing Options

Enables higher Loan-to-Value (LTV) ratios, reaching up to 95%, for qualified projects.
Offers extended amortization periods of up to 50 years, improving cash flow and financial flexibility for investors.

Promoting Housing Affordability

Provides targeted incentives for projects that maintain affordable rental rates, making housing more accessible to Canadians.
Supports developers in addressing the ongoing housing affordability crisis across the country.

Focus on Sustainability

Rewards projects that incorporate energy-efficient building designs and sustainable practices.
Aligns with Canada’s broader goals for environmental sustainability, encouraging green development.

Advancing Accessibility

Promotes the creation of rental properties that are inclusive and accessible to individuals with disabilities or mobility challenges.

Benefits for Investors and Developers

The CMHC MLI Select program is a valuable tool for developers and investors dedicated to creating impactful housing solutions that address Canada's pressing challenges in affordability, sustainability, and inclusivity.

- Reduced Borrowing Costs
  Eligible projects benefit from lower insurance premiums and favourable financing terms.
- Improved Cash Flow
  Extended amortization periods enhance cash flow, providing financial stability for investors.
- Support for ESG Goals
  By prioritizing affordability, sustainability, and accessibility, the program attracts socially responsible investors focused on Environmental, Social, and Governance (ESG) objectives.

Get Pre-Approved

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Interested in the CMHC MLI Select Program? Let us get you pre-approved with one of our turnkey properties in minutes!

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Do you Qualify as a CMHC MLI Select Investor?

Qualifying for the CMHC MLI Select program as an investor does not require meeting a specific personal financial threshold. However, you must demonstrate sufficient financial capacity to support the project and comply with the program’s loan requirements. These are the key financial aspects to consider:

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5-10% Deposit
A readily available deposit of 5–10% of the project cost
10% Liquid Assets
Additional liquid assets equivalent to 10% of the project cost to serve as a contingency fund
25% Net Worth
A personal net worth of at least 25% of the project cost

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The Experts of CMHC MLI Select

Ola is a realtor with Meta Realty, the only brokerage offering a genuine turnkey investment package. From initial land acquisition to ongoing property management—and everything in between—we provide comprehensive support every step of the way.

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How does a Property Qualify for the CMHC MLI Select Program?

To access these favourable financing terms, properties must meet specific criteria related to affordability, energy efficiency, or accessibility. Eligibility is determined through a tiered points system, with higher scores unlocking the most advantageous options.

No need to stress! We have a selection of pre-qualified properties that are ready to go. Explore our inventory of properties that already meet the requirements for the CMHC MLI Select program.