For years, real estate investors in Alberta have faced the same question: How can I grow my portfolio faster without draining my capital? Now, with CMHC’s MLI Select program, that question finally has a clear answer.
Whether you’re a seasoned multi-family investor or just stepping into apartment buildings, CMHC MLI Select is changing the game. Here’s why this innovative financing option is turning heads—and opening doors—for apartment investors across the province.
1. Buy Bigger with Less: Up to 95% Loan-to-Value (LTV)
Traditional financing models typically cap you at 75–80% LTV, meaning you’re forced to bring a substantial down payment to the table. MLI Select offers up to 95% LTV, allowing you to buy that 12-unit building with just 5% down. That’s more capital left in your pocket for renovations, reserves, or your next investment.
2. Longer Amortization = Stronger Cash Flow
Cash flow is king—and CMHC knows it. MLI Select allows for amortization periods of up to 50 years, dramatically lowering your monthly mortgage payments. In a high-interest rate environment, that’s a game-changer.
This added flexibility means your properties generate more net income each month, helping you weather market fluctuations and reinvest profits into portfolio growth.
3. Lower Debt Obligations, Better Coverage
With extended amortization and higher leverage, your Debt Service Coverage Ratio (DSCR) becomes much more investor-friendly. A stronger DSCR makes your investments more stable and opens up access to better refinancing options down the line.
Additionally, lenders are more comfortable with your deal because CMHC is as well.
4. Build Wealth Without Sacrificing Liquidity
Preserving capital is key, especially when you’re scaling. The ability to buy with just 5% down allows investors to spread their capital across multiple properties, diversify risk, and scale their portfolio with less personal exposure.
In Alberta’s rapidly developing rental market, that speed-to-scale advantage is massive.
5. Sustainability Incentives = More Points, Better Terms
The MLI Select program rewards buildings with energy efficiency, accessibility, and affordability features. Investors can qualify for better terms just by incorporating sustainable upgrades like high-efficiency boilers, solar panels, or units designed for accessibility.
It’s not just good for your bottom line—it’s good for the community, too.
Final Thoughts
CMHC’s MLI Select program is more than just a financing option—it’s a strategic tool for apartment investors in Alberta. With the ability to preserve capital, improve cash flow, and qualify for longer amortizations, investors are finding new ways to build wealth and make a meaningful impact.
Looking to grow your apartment portfolio? MLI Select might just be the advantage you’ve been waiting for.
