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CMHC MLI Select tier and benefit estimator

MLI Select rewards affordability, energy, and accessibility commitments with a lower debt-coverage floor, higher leverage, and a longer amortization on five-plus-unit apartment deals. See your tier and how the borrowing capacity compares to CMHC Standard and conventional financing, then let us model the real points with you.

Your project

Enter the points you expect in each category. We confirm the actual scoring.

Usually the largest source, from committing units below market rent.
Estimated tier
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MLI Select DSCR 1.10, LTV 95%
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CMHC Standard (insured)DSCR 1.30, LTV 85%, 40-yr
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Conventional (uninsured)DSCR 1.25, LTV 75%, 25-yr
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For illustration only and not an offer of financing, a CMHC approval, or a guarantee of program eligibility. MLI Select point scoring across affordability, energy efficiency, and accessibility is set by CMHC, is detailed, and is changing (new-construction energy scoring shifts to the 2020 national codes on September 30, 2026), so the points you actually earn must be modelled on your specific project; the point fields here are your own estimates. Each scenario sizes the loan on the lower of a debt-coverage test and a loan-to-value cap, using the assumptions shown: MLI Select (debt coverage 1.10, up to 95 percent loan-to-value, amortization by tier); CMHC Standard insured (1.30, up to 85 percent, 40-year, or 50-year on new construction); conventional uninsured (1.25, up to 75 percent, 25-year). These assumptions are typical illustrations, not lender commitments, and the same interest rate is applied to each for comparison even though insured financing is usually priced lower. Tier benefits shown (50-plus points: 10 percent premium discount, up to 40-year amortization; 70-plus: 20 percent, up to 45 years; 100-plus: 30 percent, up to 50 years) are summaries CMHC and lenders may change. The premium and lender-specific tests are not modelled here. Speak with us for figures specific to your project. TMG HarbourTown Mortgage Inc., Licence #3000145.

What these numbers mean

Plain-language definitions and the typical ranges, so you can play with the inputs with confidence.

MLI Select points (affordability, energy, accessibility)
CMHC MLI Select scores a five-plus-unit apartment project across three commitment categories. The points add up to a tier that sets your benefits. Affordability is usually the largest source, from committing units below market rent. The fields here are your estimate; the actual scoring is detailed and set by CMHC.
Typical: tiers at 50, 70, and 100 points; affordability commonly carries the most weight
Tier and its benefits
The tier sets a premium discount and a maximum amortization: 50-plus points gives a 10 percent premium discount and up to 40 years; 70-plus gives 20 percent and up to 45 years; 100-plus gives 30 percent and up to 50 years. Below 50 points there is no MLI Select benefit.
Typical: new-construction energy scoring tightens to the 2020 national codes on September 30, 2026
New construction
Whether the project is a new build. It lets the CMHC Standard comparison reach a 50-year amortization, and it changes how energy points are scored.
Typical: new builds can access the longest amortizations
Net operating income (NOI) and property value
NOI is income after operating costs, before financing, and it drives the debt-coverage test. Value sets the loan-to-value cap. Each program sizes the loan on the lower of its DSCR test and its LTV cap.
Typical: lenders underwrite NOI conservatively, often below the seller's pro forma
Interest rate
The annual rate used to size every column. The same rate is applied to each for a fair comparison, even though insured financing is usually priced lower than conventional.
Typical: insured (CMHC) financing prices below conventional commercial
The three programs compared
MLI Select sizes on a low 1.10 debt-coverage floor, up to 95 percent LTV, and the tier amortization. CMHC Standard insured uses 1.30, up to 85 percent, and 40 years (50 on new construction). Conventional uninsured uses 1.25, up to 75 percent, and 25 years. The gap between columns is mostly the lower coverage floor and the longer amortization, and it is real borrowing capacity, not a rate trick.
Typical: MLI Select can support materially more loan than conventional on the same income
These are general ranges, not your numbers. The right figure depends on your situation, the property, and the lender. Talk to us and we will pin it down.

Related tools

Multifamily NOI Estimator DSCR Loan Sizing Max Loan, DSCR & LTV All tools

This is the single biggest lever on an apartment deal.

The gap between these columns is real money. We model the points, the program, and the lender fit so you capture it. A licensed member of our team will follow up.

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