CMHC MLI Select Qualifier

Calculate your MLI Select point score across affordability, accessibility, and energy efficiency — and see which tier you qualify for. Tier determines your maximum LTV (up to 95%), amortization (up to 50 years), and premium discount (up to 50%).

Pillar 1 — Affordability (0–100 pts)

Points based on the % of units rented at below-market rates and how deeply below median market rent those units are priced.

% of units at affordable rent

20%

% of total units rented below CMHC median market rentDepth below median market rentDeeper discount = more points per unit

Affordability points: 40 / 100

Pillar 2 — Accessibility (0–100 pts)

Points for the % of units that meet the CSA B651 Adaptable Dwelling standard. 40% of units = 100 points.

% of units meeting Adaptable standard

20%

40% = 100 pts · 20% = 50 pts · 10% = 25 pts

Accessibility points: 50 / 100

Pillar 3 — Energy Efficiency (0–100 pts)

Points based on energy performance relative to the National Energy Code for Buildings (NECB 2017). Higher performance = more points.

Energy performance tier

Energy points: 0 / 100

MLI Select Points

Tier 1

210 more points to reach max tier

Affordability

40 / 100

Accessibility

50 / 100

Energy

0 / 100

Max LTV

95%

vs 85% standard

Max Amortization

40 yrs

vs 25 yrs standard

Premium Discount

10%

off standard rate

MLI Select Tier Reference

Tier	Points	Max LTV	Max Amort.	Premium Discount
Standard MLI	<50	85%	25 yrs	Standard rate
Tier 1	50–99	95%	40 yrs	10% off
Tier 2	100–149	95%	40 yrs	20% off
Tier 3	150–199	95%	45 yrs	30% off
Tier 4	200–249	95%	50 yrs	40% off
Tier 5	250–300	95%	50 yrs	50% off

Project Financials

Property / Project Value ($)Requested LTV (%)

85%

Interest Rate (%)Annual NOI ($)Net Operating Income (gross rent – vacancy – opex)Min. Debt Coverage Ratio (DSCR)CMHC typically requires 1.10–1.20 minimum

Insurance Premium Comparison

Standard CMHC multi-unit insurance vs MLI Select Tier 1 (10% premium discount). MLI Select also allows up to 95% LTV vs 85% standard.

Standard CMHC (85% LTV)

$123,250

2.90% on $4.25M

MLI Select Tier 1 (85% LTV)

$110,925

2.61% on $4.25M

Premium saving vs standard$12,325

Loan Amount (incl. capitalized premium)$4.36M

Amortization Impact on Debt Service

Monthly P&I payments on $4.36M at 4.75% — comparing standard 25-year amortization to MLI Select extended periods.

Amortization	Monthly Payment	Annual Debt Service	vs 25-Year
25 years	$24,862/mo	$298,349	Save $0/mo —
40 years	$20,311/mo	$243,736	Save $4,551/mo

At 40-year amortization your monthly payment drops by $4,551 vs a 25-year term — directly improving project cash flow.

Maximum Insurable Loan (NOI-Based)

Maximum loan supportable by your NOI at a 1.15× DSCR — comparing standard 25-year to MLI Select 40-year amortization.

Annual NOI$300,000

Max Annual Debt Service (NOI ÷ 1.15× DSCR)$260,870

Max Loan — Standard 25-yr amortization$3.81M

Max Loan — MLI Select 40-yr amortization$4.67M

Additional loan capacity vs standard+$854,377

Implied LTV on project value93.3%

Unlock the Full MLI Select Analysis

Get the insurance premium comparison, amortization debt-service table, and NOI-based max loan sizing — so you know exactly what MLI Select is worth to your project.

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MLI Select program details, point allocations, premium rates, and tier thresholds are based on CMHC guidance as of 2024 and are subject to change. Premium rates shown are approximate — actual premiums are calculated by CMHC based on the specific loan application. This tool is for preliminary planning only. Always verify current program requirements at cmhc.ca and engage a CMHC-approved lender before making financing decisions. LandVault is not affiliated with CMHC.