Question 1

What is CMHC MLI Select?

Accepted Answer

CMHC MLI Select is Canada Mortgage and Housing Corporation's points-based multi-unit mortgage loan insurance program for 5+ unit residential properties. Projects earn points across affordability, energy efficiency, and accessibility to unlock enhanced LTV, longer amortization, and lower DCR thresholds. Source: cmhc-schl.gc.ca

Question 2

How many MLI Select points do I need to qualify?

Accepted Answer

A minimum 50 total points across affordability, energy, and accessibility is required to qualify. 70+ points unlocks enhanced terms, and 100+ points unlocks the maximum benefits including up to 50-year amortization and the strongest premium discounts.

Question 3

Is this MLI Select calculator official?

Accepted Answer

No. This is an independent planning tool by LendSimpl for educational and scenario-planning purposes. Final point scoring, eligibility, and pricing are determined by CMHC and the lender. Always confirm with CMHC's official MLI Select documentation.

Tier	Points	Max LTV	Max Amortization	Min DCR	Premium Discount
MLI Standard	—	85%	40 years	1.20×–1.30×	None
Qualifies	50–69	95%	40 years	1.10×	Standard discount
Enhanced	70–99	95%	40 years	1.10×	Premium discount
Maximum	100–150	95%	50 years	1.10×	Up to 30%

CMHC MLI Select
Points Calculator

Project Information

Affordability

Energy Efficiency

Accessibility

MLI Select vs Standard Comparison

Common Questions
For Multifamily Borrowers

CMHC MLI SelectPoints Calculator