In a province like Alberta, where population growth, rental demand, and construction costs are all on the rise, investors are hungry for ways to scale smart. The CMHC MLI Select program is quickly becoming one of the most powerful tools available to those investing in multi-family properties.
Here’s why savvy apartment investors across Alberta are leaning into MLI Select in 2025 and how it’s helping them grow faster, smarter, and more sustainably.
1. More Leverage, Less Out-of-Pocket
Let’s be honest: most investors don’t want to tie up hundreds of thousands in a single deal. With up to 95% LTV, MLI Select makes it possible to close on larger properties with minimal equity.
That means you can get into cash-flowing apartment buildings with as little as 5% down, freeing up funds for upgrades, contingencies, or your next project.
2. 50-Year Amortization? Yes, Please.
In most financing scenarios, a 25- or 30-year amortization is standard. MLI Select doubles that potential, offering up to 50 years of amortization for qualifying buildings.
The result? Dramatically lower monthly payments and significantly improved cash flow—something every Alberta investor can appreciate in a time of higher interest rates and operating expenses.
3. Preserve Capital, Multiply Your Growth
Instead of putting $500,000 into one property, you could use that same capital to purchase three or four smaller buildings under MLI Select. This capital efficiency allows you to diversify faster, reduce risk, and build a broader income stream from day one.
It’s not just about owning property, it’s about accelerating your path to long-term wealth.
4. Built for the Alberta Market
With its strong in-migration, growing cities, and demand for rentals, Alberta is ripe for multi-family growth. But rising construction costs and interest rates are squeezing developers and buyers alike.
CMHC MLI Select offers an elegant solution: better terms for those who meet criteria for energy efficiency, affordability, or accessibility. Alberta’s investors are using these incentives to lock in favorable financing and future-proof their properties.
5. Stability in a Shifting Market
In uncertain economic times, the backing of CMHC offers peace of mind for both investors and lenders. With CMHC’s insurance, you gain access to more competitive interest rates and longer terms, helping reduce financing volatility.
For investors trying to hold steady while others pause, this can be a powerful edge.
In Summary
The Alberta apartment market is full of opportunity, but only for those who know how to play the game. With CMHC MLI Select, the rules are finally working in your favor.
Whether you’re buying your first 6-plex or scaling into a 100-unit portfolio, the ability to borrow more, amortize longer, and preserve capital is no longer just a dream; it’s reality.
Ready to take advantage of MLI Select? The window is wide open. Now’s the time to step through.
