Introduction: Financing That Fuels Growth
In Alberta’s booming rental market, access to smart financing can make or break an investment.
That’s where CMHC’s MLI Select program comes in, a game-changer for investors who want to expand their multi-family portfolios in Calgary, Edmonton, and beyond.
At Green Casa Property Management, we’ve seen how MLI Select helps investors grow faster, reduce risk, and maximize long-term returns.
Here’s how you can do the same.
1. What Is CMHC MLI Select?
The Multi-Unit Mortgage Loan Insurance (MLI Select) program by CMHC is designed for multi-family properties with 5 or more units.
Its purpose? To reward projects that promote:
- Affordability
- Energy efficiency
- Accessibility
By meeting certain criteria, investors can unlock incredible financing benefits that traditional loans can’t match.
2. The Core Benefits for Investors
✅ 1. Lower Down Payments (as low as 5%)
Unlike typical commercial loans requiring 20–35% down, MLI Select allows investors to qualify for up to 95% loan-to-value (LTV) on eligible properties.
That means you can preserve capital for other projects and grow your portfolio faster.
✅ 2. Extended Amortization (up to 50 years)
With longer amortization, monthly mortgage payments drop significantly, improving cash flow and debt coverage ratios.
It’s a win for both stability and scalability.
✅ 3. Better Rates and Terms
CMHC-insured loans typically come with lower interest rates, reducing overall borrowing costs and increasing net income.
✅ 4. Rewarding Sustainable and Affordable Design
MLI Select incentivizes energy-efficient and affordable housing, aligning with Calgary’s growing focus on sustainability and livable communities.
Investors who integrate these features can earn more points, unlocking better terms.
3. Real-World Example: Calgary Apartment Investor
Imagine a 20-unit apartment building in Mount Pleasant valued at $4 million.
Using MLI Select, the investor qualifies for:
- 95% LTV
- 50-year amortization
- 4.5% interest rate
Compared to a standard 25-year mortgage, the monthly payment drops by 30–35%, freeing up capital for renovations or new acquisitions.
That’s how investors scale efficiently in Alberta’s competitive market.
4. Why It Matters for Alberta
Calgary and nearby towns like Airdrie, Cochrane, and Chestermere are experiencing record population growth, driving demand for rental units.
MLI Select allows developers and owners to build or refinance multi-family projects that meet this demand — while maintaining strong returns.
Combined with Alberta’s no rent control policies, low taxes, and affordable land prices, MLI Select financing turns Alberta into one of Canada’s best investment destinations.
5. Green Casa’s Role: Turning Incentives Into Results
At Green Casa, we go beyond property management we help investors understand how to leverage tools like MLI Select effectively.
From managing multi-family operations to improving energy efficiency and affordability, our expertise ensures your property meets both CMHC standards and market performance goals.
We’re here to help you grow smarter, not harder.
Conclusion: Smarter Financing, Stronger Returns
The CMHC MLI Select program isn’t just another mortgage option; it’s a strategic growth tool for real estate investors who think long-term.
By improving cash flow, reducing risk, and supporting sustainable living, MLI Select is shaping the future of Alberta’s housing market and Green Casa is proud to guide investors every step of the way.
