3852 Finch Ave E #209, Scarborough, ON M1T 3T9, Canada
Brokerage #13763
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Brokerage #13763
Estimate your affordability, energy, and accessibility points to see where your multifamily project lands under CMHC MLI Select.
Tier Milestones
Qualifies
50+
Entry tier
Enhanced
70+
Stronger terms
Maximum
100+
Top tier
Province
Ontario
Project location
Core details for scenario planning
Units at ≤80% Median Market Rent
EnerGuide, ENERGY STAR, Net Zero or Passive House
Barrier-free and universal design coverage
Need a plan, not just a score?
Our Ontario team can walk through your project with you and the options that may fit it.
Get My OptionsYour MLI Score
MLI Select needs at least 50 points. Small changes to affordability, energy or accessibility can move a score.
Max LTV
—
vs 85% standard
Amortization
—
CMHC-supported
Premium
—
insurance discount
Min DCR
—
underwriting floor
Progress to Next Tier
Point Breakdown
Quick lender-facing summary for underwriting conversations
| Tier | Points | Max LTV | Max Amortization | Min DCR | Premium Discount |
|---|---|---|---|---|---|
| MLI Standard | — | 85% | 40 years | 1.20×–1.30× | None |
| Qualifies | 50 to 69 | 95% | 40 years | 1.10× | 10% premium discount |
| Enhanced | 70 to 99 | 95% | 40 years | 1.10× | 20% premium discount |
| Maximum | 100 to 150 | 95% | 50 years | 1.10× | 30% premium discount |
Straight answers on the points system, qualifying thresholds, and how this applies to Ontario projects.
Have a question we didn't answer?
Our licensed broker team is happy to help.
MLI Select is CMHC's mortgage loan insurance program for multi-unit rental housing. Projects earn points for affordability, energy efficiency and accessibility. More points can mean higher loan-to-value, longer amortization and a reduced insurance premium.
At least 50 points to qualify. Terms step up at 50, 70 and 100 points.
No. It is an estimate to help you plan. CMHC and the lender decide what your project qualifies for.
Still have questions?
Get straight answers from a licensed Ontario broker.
Estimates only. Program terms may change. FSRA Brokerage #13763. ·lendsimpl.ca
CMHC's MLI Select program scores a multifamily project with points. This calculator estimates your score so you can see which tier a project may reach before you speak with a lender.
The score combines three areas: affordability (units rented at or below a share of median market rent), energy efficiency and accessibility. In this tool affordability can contribute up to 50 points; the other two areas add to the total.
As modelled here, a project qualifies at 50 or more points (entry tier), reaches enhanced terms at 70 or more, and the top tier at 100 or more. Higher tiers are associated with stronger financing terms, which the Max Loan calculator lets you compare.
The score is an estimate for planning. Program rules, point values and eligibility are set by CMHC and can change, and the lender and CMHC make the final determination. Confirm current requirements before you rely on a figure.
lendsimpl is an FSRA-licensed brokerage, #13763. This page is general information, not a commitment to lend or insure.