CMHC MLI Select Specialists
CMHC MLI Select Financing for Multifamily Developers & Investors
CMHC MLI Select offers some of the most attractive financing in the Canadian market — low rates, high leverage, and amortizations up to 50 years. We help developers and investors across Western Canada structure, score, and secure CMHC-insured financing for new construction and stabilized multifamily properties.
- 95%
- Loan-to-cost
- 50yr
- Amortization
- 3
- Scoring categories
- $0
- Until funded
The Advantage
Why choose CMHC MLI Select?
Whether you're planning a new development or transitioning from private or construction financing, we guide you through the full MLI Select process with clarity and efficiency.
Industry-Leading Terms
Flexible for Developers & Investors
- Supports new construction, acquisitions, and refinancing
- Ideal for long-term hold strategies
- Strong cash flow due to extended amortizations
Supports Value-Add & Affordable Housing
- Incentives for energy efficiency, accessibility, and affordability
- Higher leverage for projects that meet scoring requirements
The Point System
How MLI Select scoring works.
The CMHC MLI Select scoring system evaluates multifamily rental projects based on three key priorities: affordability, energy efficiency, and accessibility. Properties earn points in each category depending on how well they meet CMHC requirements, such as offering below-market rents, reducing energy consumption, or improving accessible housing features. The higher the total score, the greater the financing incentives borrowers can receive, including higher loan-to-value ratios, longer amortization periods of up to 50 years, and reduced insurance premiums. This flexible scoring model encourages developers and investors to create more sustainable and affordable rental housing across Canada.
MaxCap Financial can help investors and developers navigate the CMHC MLI Select application process by structuring financing solutions that align with CMHC scoring requirements. From affordability planning and energy-efficiency targets to optimizing loan terms and documentation, experienced commercial mortgage advisors can help maximize eligible points and improve approval potential. Whether you are purchasing, refinancing, or developing a multifamily property, professional guidance can simplify the process and help secure competitive CMHC-insured financing options across Canada.
Energy Efficiency
Points awarded for improved building performance, reduced energy consumption, and sustainability measures.
Accessibility
Points for accessible units, building features, and inclusive design.
Affordability
Points for maintaining below-market rents for a portion of units.
Financing Solutions
MLI Select financing structured for your stage.
From land acquisition to long-term CMHC-insured debt, we structure financing aligned with your project's lifecycle.
New Construction Financing
We structure land, servicing, and construction financing with a clear path to CMHC take-out once the project meets eligibility requirements.
Take-Out Financing
Transition from private or construction financing into long-term CMHC-insured debt with significantly improved cash flow.
Refinancing Existing Multifamily
Unlock equity, reduce interest costs, and extend amortization on stabilized multifamily assets.
Bridge-to-CMHC Strategies
Short-term financing designed to position your project for MLI Select approval.
Our Process
A clear path from review to funding.
- 01
Project Review & Scoring Strategy
We assess your project and determine the most achievable scoring path.
- 02
Lender Matching
We connect you with CMHC-approved lenders best suited for your project type and timeline.
- 03
File Structuring
We prepare your application, documentation, and scoring package to meet CMHC and lender requirements.
- 04
Approval & Funding
We coordinate with CMHC and the lender to ensure a smooth approval and funding process.
Why Max Capital
MLI Select expertise built for developers.
We combine deep CMHC scoring knowledge with strong lender relationships to position your project for approval.
Start your CMHC MLI Select strategy.
Whether you’re planning a new development or refinancing an existing multifamily asset, we’ll help you secure the right CMHC-insured financing with competitive terms and a smooth approval process.