CMHC MLI Select: Lower Rates for Multi-Unit Commercial Properties
How CMHC MLI Select helps multi-unit property investors in Calgary access lower rates, higher LTV, and longer amortizations with premium reductions.
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Beyond Residential. Strategic Commercial Financing.
Commercial property financing for retail, office, industrial, multi-unit (5+ units), and mixed-use properties. Jay structures deals with commercial lenders, CMHC MLI Select, and private commercial funding to get your project financed.

You are purchasing a commercial property — retail, office, or industrial — and need financing beyond residential mortgage programs
You own a multi-unit residential building (5+ units) that no longer qualifies under standard residential mortgage rules
You are looking to refinance an existing commercial property to access equity or secure a better rate
You are developing a mixed-use property and need a lender who understands commercial-residential hybrid deals
You need bridge or construction financing for a commercial project in Calgary or Alberta
Commercial property assessment and deal structuring
CMHC MLI Select program access for multi-unit (5+ units)
Private commercial lending solutions
Multi-unit apartment building financing
Mixed-use property mortgage structuring
Bridge and construction financing coordination
The Process
Jay reviews your commercial property goals, existing portfolio, and financial position to determine the optimal financing structure.
A detailed review of the property financials — net operating income, cap rate, debt coverage ratio — to position your file for the right lender.
Your deal is matched to the commercial lender best suited to your property type, loan size, and timeline — whether that is a Schedule A bank, credit union, CMHC insured program, or private commercial funder.
Jay prepares and submits a complete commercial mortgage application, coordinating environmental reports, appraisals, and any third-party requirements.
Once approved, Jay works through all lender conditions — from rent roll verification to corporate documentation — ensuring nothing delays your closing.
All parties aligned for closing. Post-closing, Jay monitors your commercial mortgage for renewal optimization and refinancing opportunities as the property matures.
Property Types
5+
Commercial Lenders
30+
Response Time
< 24 hrs
Consultation
Free
Documentation
T2 Corporate tax returns (2-3 years) or T1 personal returns if held personally
Current rent roll with lease agreements for all tenants
Property operating statements (income and expenses, 2-3 years)
Phase 1 Environmental Site Assessment (ESA)
Commercial property appraisal (lender will typically order this)
Business plan or executive summary for acquisition or development projects
Requirements
Minimum 25% down payment for conventional commercial mortgages (15% for qualifying CMHC MLI Select properties)
Property must demonstrate positive cash flow with a Debt Coverage Ratio (DCR) of 1.1x or higher
Borrower must provide corporate or personal financial statements demonstrating capacity to support the mortgage
Commercial appraisal and Phase 1 Environmental Site Assessment required for most commercial properties
Property must be located in Canada with clear title and appropriate zoning for intended use
Calgary's commercial real estate market offers significant opportunities across multiple property types. The city's growing population — driven by strong interprovincial migration into Alberta — is fueling demand for multi-unit residential buildings, retail space in growing suburban communities, and industrial properties supporting the energy and logistics sectors. Alberta's absence of a provincial land transfer tax is a major advantage for commercial property investors, saving tens of thousands of dollars on acquisitions compared to Ontario or BC. This directly improves returns on commercial investments and makes Calgary one of the most attractive commercial real estate markets in Canada. Jay works with 30+ commercial lenders including Schedule A banks with commercial divisions, credit unions like ATB Financial, CMHC for insured multi-unit deals, and private commercial funders for deals that require creative structuring. Whether you're acquiring your first small commercial property or scaling a multi-property commercial portfolio, Jay provides the same strategic advisory approach — honest numbers, clear recommendations, and access to the right capital.
Common Questions
Commercial Mortgages services across Calgary and surrounding communities
How CMHC MLI Select helps multi-unit property investors in Calgary access lower rates, higher LTV, and longer amortizations with premium reductions.
Commercial mortgage financing in Calgary — property types, down payments, CMHC MLI Select, qualification, and lender options explained.
Side-by-side comparison of commercial and residential mortgages in Canada — down payments, rates, qualification criteria, and when each applies.
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Specialized mortgage service with access to 60+ lenders
Specialized mortgage service with access to 60+ lenders
Specialized mortgage service with access to 60+ lenders
Specialized mortgage service with access to 60+ lenders
Book a free consultation with Jay to discuss commercial mortgages strategy for your situation.
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