Financing Analysis

Model Your Financing

Compare CMHC MLI Select, CMHC MLI Standard, and conventional financing side by side — maximum loan, capital required at closing, and cash flow at your assumptions.

Property & Income
Parking, laundry, storage.
Applied against gross income.
Share of effective gross income spent on operations.
Financing Assumptions
Insured rates typically price below conventional.
See “How MLI Select points work” below the results.
MR McKinney Realty — Financing Analysis
Results

Three structures, side by side.

These figures are illustrations based on the assumptions you entered and generalized program parameters. They are not a projection, a guarantee, financing advice, tax advice, or a recommendation to buy or sell. CMHC program criteria, lending terms, and tax rules change and depend on your specific circumstances. Consult your lender, accountant, and legal counsel. McKinney Realty — Liam McKinney, Broker, Property.ca Inc., Brokerage · Sean McKinney, Broker of Record, RE/MAX Quinte Ltd., Brokerage.
 

These figures are illustrations based on user-entered assumptions and generalized program parameters — not a projection, guarantee, financing advice, tax advice, or a recommendation to buy or sell. Consult your lender, accountant, and legal counsel.
Liam McKinney, Broker, Property.ca Inc., Brokerage · Sean McKinney, Broker of Record, RE/MAX Quinte Ltd., Brokerage · mckinneyrealty.ca
How MLI Select points work

MLI Select is CMHC’s insurance program for rental properties of five or more units. It prices leverage against public-policy outcomes: commitments to affordability, energy efficiency, and accessibility each earn points, and the point total determines what the financing unlocks.

Fifty points is the entry threshold. At 50 points, a borrower can access up to 85% loan-to-value, 40-year amortization, and a 10% discount on the insurance premium. At 70 points, leverage extends to 95% and amortization to 45 years, with a 20% premium discount. At 100 points — which in practice usually requires strong scoring in more than one category — amortization reaches 50 years and the premium discount reaches 30%.

The amortization tiers are frequently the deciding lever. On the same building at the same rate, a 50-year schedule carries materially lower annual debt service than a 25-year conventional schedule — which is often the difference between a deal that clears CMHC’s 1.10 debt-coverage floor and one that misses it.

Two things this tool cannot do: score your project, and time your application. Points are assessed by CMHC through your lender, and the scoring criteria are in transition through September 30, 2026 as the energy baseline moves to the 2020 national code. Where a file sits relative to that transition can change its score. Both questions belong in a financing conversation — which we’re glad to have.