Ask any seasoned apartment investor, and they’ll tell you, real estate success isn’t just about finding the right property; it’s about structuring the right financing. The CMHC MLI Select program is quickly becoming the go-to choice for serious multi-family investors in Alberta, and for good reason.
1. Preserve Capital and Scale Faster
Traditional financing often requires large down payments, slowing your ability to acquire new properties. MLI Select changes the rules with up to 95% LTV, allowing you to enter deals with minimal upfront capital. This frees up your resources to purchase additional buildings or invest in renovations that can boost rental income and property value.
2. Debt Coverage That Works for You
With amortization periods as long as 50 years, your monthly mortgage payments shrink, dramatically improving your debt service coverage ratio (DSCR). This isn’t just good for your cash flow; it also strengthens your position with lenders for future deals. Lower payments mean more breathing room to reinvest in maintenance, amenities, and tenant satisfaction.
Alberta: The Perfect Investment Playground
Between its business-friendly environment, rising population, and relative affordability, Alberta is attracting both renters and investors. CMHC MLI Select financing allows you to tap into this momentum without overextending financially. You get predictable payments, improved returns, and the flexibility to weather interest rate changes.
Final Thought: In a market where timing and flexibility matter, CMHC MLI Select gives Alberta apartment investors the perfect combination of leverage, cash flow, and long-term stability. It’s not just about buying a building, it’s about building a portfolio that thrives.
