MLI SELECT
CapShark
Multi-Unit Financing
by CapShark
FILE NO. —

MLI Select Underwriting Calculator by CapShark

Property & Deal Inputs

Figures for a 5+ unit rental property under CMHC's MLI Select framework.

Points Commitments

Select the pathway level you intend to commit to in each category.

0 pts
0 pts
0 pts
0 / 100+ pts
not qualified
0–49 — does not qualify (MLI Standard fallback) 50 — 40-yr amort · 10% discount 70 — 45-yr amort · 20% discount 100+ — 50-yr amort · 30% discount
LTV (as proposed)
85%
program max
Amortization
40 yrs
Premium Discount
0%
Underwriting Snapshot
Net Operating Income
$0
Cap Rate
0.00%
Loan Amount (incl. CMHC Premium)
$0
Down Payment (Equity)
$0
Benchmark Interest Rate
0.00%
Effective Premium Rate
0%
Annual Debt Service
$0
DSCR
0.00×
Annual Cash Flow (after debt service)
$0
$0
$0
0.00%
0.00%
0.00%
Borrower Qualification Check
Net Worth Required (≥25% of loan, min $100k)
$0
Typical Liquidity Reserve (~10% of price)
$0

Rule-of-thumb benchmarks reported across CMHC-approved lenders: minimum borrower net worth of ~25% of the loan amount (or $100,000, whichever is greater), plus liquid reserves to carry the property through lease-up and closing costs. Actual requirements are lender-specific — confirm before applying.

$0
$0
MLI Select vs. Conventional Financing
MetricYour MLI Select TierConventional (75% LTV / 25-yr)
Get Matched With a Lender

Talk to a CMHC-Approved MLI Select Lender

MLI Select applications run through specialist lenders, not your regular residential broker. Share this deal and we'll connect you with someone who does this every week — no re-explaining the numbers, they'll already have this snapshot.

By submitting, you agree to share this deal's details (price, rent, points strategy, and underwriting figures above) with a partner MLI Select lender or broker for follow-up.

Full Deal Report

Lender-Ready PDF Report

30-year proforma with appreciation and equity growth, cash flow and equity charts, IRR and sale analysis, sensitivity stress-test, and full underwriting — the analysis a broker would otherwise charge for.

One-time purchase, this deal only
Educational estimate, not a commitment. Point values, tier thresholds, and financing terms reflect publicly published 2026 MLI Select program guidance and are simplified for planning purposes — CMHC's actual scoring involves detailed documentation (rent rolls, energy modelling, Rick Hansen certification, etc.) reviewed by an approved lender. CMHC overhauled MLI Select premium pricing on July 14, 2025, moving to a risk-based model tied to LTV — any deal comps, broker reports, or quotes from before that date will significantly understate current premium costs. Confirm exact figures with a CMHC-approved lender or mortgage broker before relying on this for a live deal.