Multi-family, mixed-use, industrial — we broker the full commercial spectrum, including CMHC MLI Select.
Conventional commercial rates run 100–200 bps over prime; CMHC MLI Select on qualifying multi-family properties can beat residential rates by hitting affordability, energy, or accessibility criteria.
MLI Select insured multi-family loans price at some of the lowest rates in the country, with amortizations up to 50 years and LTVs up to 95%. Points system: affordability + accessibility + energy efficiency.
For bridge, construction, or non-conforming properties, private commercial lenders fund fast (2–4 weeks) at rates from 8%–12%.
Threads on commercial mortgage reddit rarely mention MLI Select, which is the most powerful tool available to Canadian multi-family investors right now. It's not obvious unless a commercial broker walks you through the points.
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Typically 25%–35% conventional. CMHC MLI Select multi-family can go as low as 5%–15% depending on points earned.
Yes — the mix ratio (residential vs commercial floor area) determines whether it prices as residential or commercial.
1–10 years typical. Longer terms available on MLI Select multi-family.
Reddit discussion of commercial mortgages is thin — most useful analysis comes from CCIM/broker communities rather than open forums.
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