商业地产：Multiplex多单元投资@Multi unit# Multi family 新战略 新丝路——实现投资房的贷款自由 低首付（最低5%首付）低利率 低税率 低风险 低责任 低杠杆 高回报 贷款跟收入无关 跟自住房贷款无关 可持续投资无限N+1套房 完全摆脱收入和税收的“牢笼” 无海外买家税 无海外买家身份限制

稳健多套房投资新思路——彻底颠覆你的误区加拿大多单元住宅政府资助项目CMHC MLI对于购买者的个人财务要求.
1.最少5%的首付款(这里是指物业价格的5%)
2.另外还需要有5%的流动资产(这是是指物业价格的5%)
3.客户的家庭净资产，
不能少于物业价格的25%注意，
这个CMHC项目属于商业贷款，
不看个人收入这个项目适合高净值的家庭，
以很少的启动资金，长期以很低的融资贷款成本
持有加拿大优质的多单元住宅项目长期靠租金
(以及租金的增长)来实现财富积累。
随着通胀/地价/建筑成本的上升，
客户也可能获得潜在的物业升值，进
一步加快财富积累Net worth净资产，
包括所有在加拿大的资产(房产，现金， GIC,股票，保险等等)
购买主体需要是加拿大居民(如果公司购买，海外股东只能是小股东)
我们的建议，是最好确保有20%流动资产，50%的净资产，
这样选择项目更多的灵活度，也有更好的抗风现性

Multi unit# Multi family

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多套房投资 贷款规划 税务规划 出租管理等
一条龙无忧服务到底

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低首付 低利率 低税率 低风险 低责任 低杠杆

高回报 贷款不看收入 
重点不是看自住房的贷款还剩多少
而是找到净租金收入的房产

满足银行要求的物业
投资无限N+1套房

无限循环贷款

不需要加杠杆

不需要所得交税
因为跟个人收入无关
完全摆脱个人收入和税收的“牢笼”

mli-select (1)

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无海外买家税 
无海外买家身份限制跟自住房贷款无关 可以加按自住房投资投资房

自住房贷款与投资房贷款是完全不同的二个概念

不需要无限加按投资房 风险降到最低
不需要非法分租
不需要非法改建我们最响亮的口号是：选择正确的房产投资
选择正确的银行贷款

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最合理的投资方案 最安全的贷款策略
最优化的税务组合 最小风险是高回报我们最核心的价值投资观是：
中产家庭保护资产的最佳手段：
建立以租金回报为核心的价值投资资产包

在传统观念中，投资民宅通常需要20-35%的首付，
而多单元公寓的首付要求更是高得多。
然而，现在仅需5%的首付就能撬动多单元公寓投资，
并且利率比民宅更低。这是怎么做到的呢？
​
答案就在于CMHC的MLI Select项目。这个项目不仅极具创新性，

还为投资者提供了众多优势，使其成为多单元住宅市场的最佳选择之一。
​
MLI Select项目：全面提升多单元住宅投资
​
MLI Select是加拿大抵押与住房公司（CMHC）

推出的一种创新型多单元抵押贷款保险产品，
适用于多单元建筑贷款、新物业购买以及现有债务再融资。
该项目专注于三个核心领域：住房的可负担性、能源效率和无障碍性，
为投资者提供更优的融资选择。
MLI Select项目的三大类别

1. 能源效率（Energy Efficiency）：
   随着能源效率的提高和能源使用的减少，可以获得相应的积分。
   例如，如果项目能够减少40%的能源使用，可以获得50分​ 

2. 无障碍性（Accessibility）：随着符合无障碍标准单元比例的增加，
   可以获得相应的积分。标准依据加拿大标准协会（CSA）的无障碍标准来决定​

3. 可负担性（Affordability）：如果物业中有80%或以上的单元达到租金
   可负担标准（根据CMHC的数据），可以获得最高100分​ 

项目的独特优势

• 更高的贷款价值比（Loan-to-Value Ratio）：最高可达95%。

• 更长的摊销期限（Amortization Periods）：最长可达50年。

• 更低的债务覆盖比率（Debt Coverage Ratios）

• 降低的保险费率（Reduced Premiums）

​
MLI Select通过积分系统，将项目分为50分、70分和100分三档。

分数越高，项目获得的贷款条件越优越。
这种灵活性极大地提高了项目的可行性和吸引力，
鼓励更多开发商和物业所有者创建和维护经济适用、可及和气候兼容的住房​ 
​
如何利用MLI Select项目
MLI Select项目不仅简化了申请流程，

还通过更多样的社会成果指标来鼓励开发商和物业所有者创建更多可负担、
可持续和无障碍的住房。无论是新建设项目、现有物业的购买还是债务再融资，
都可以通过MLI Select项目获得支持。
​
在多伦多市，新的4+1单元政策为投资者提供了额外的机会。

这项政策允许在单个住宅物业中创建多达4个主单元和1个辅助单元，
提供了前所未有的密度提升，同时满足了城市对可负担住房的需求。
将这项政策与CMHC的MLI Select项目结合使用，可以大大提高项目的可行性。
多伦多4+1单元政策的优势
在密集的城市环境中，4+1单元的政策不仅提升了土地利用效率，

还为投资者带来了新的收入来源。投资者可以通过增加出租单元来提高现金流，
同时通过CMHC的MLI Select项目享受优惠的融资条件。
这种组合使得投资者能够更轻松地进入多单元住宅市场，
以相对低的成本获得更高的回报。

What is the MLI Select Program?
The MLI Select Program through CMHC is

a federal initiative that supports housing development
by offering mortgage insurance
for multi-unit properties (5+ units) that allows
for unique financing scenarios. This initiative is
intended to encourage new apartment construction.
By leveraging this program, investors significantly reduce
both upfront costs and long-term expenses,
making multiplex ownership more accessible and sustainable.
What are MLI Select Program Benefits?
With MLI Select, you may have access to

the following advantages:

• Higher loan-to-value ratios. Up to 95% LTV financing
  with lower down payment requirements -
  as little as 5% down payment required

• Extended amortization periods of up to 50 years

• Below prime interest rates

• 10-year mortgage terms for increased cash flow stability

These features translate into a high return on investment,
guaranteed positive cash flow,
and significant appreciation potential.
How is Positive Cash Flow Guaranteed?
CMHC conducts its own analysis of costs, rents, etc.,

based on benchmarks to determine the project’s cash flow,
and only projects that have a projected net income of
at least 110% of projected debt cost
(minimum 1.1 debt coverage ratio) are eligible to
qualify for the CMHC MLI Select Program. 
How Does a Property Qualify for the MLI Select Program? 
To qualify for these advantageous financing terms,

projects must meet specific affordability, energy efficiency,
or accessibility standards. Points are accumulated on
a tiered system to access the best financing options.
But don’t worry about the cumbersome application
and approval process – we help the investor with all of that.
 
Remember that the MLI Select Program only offers

the financing solution,
What Exactly is Handled for the Purchaser?
Our team of experienced professionals includes analysts,

brokers, builders, and developers to ensure
that everything is handled for the investor, including:

1. Land acquisition

2. Entitlements

3. Site plan & design

4. CMHC application

5. Construction management

6. Lease up & stabilization

7. Ongoing property management

What are the Qualifying Criteria for Investors?
Individuals need to demonstrate financial stability

to qualify as a buyer under the CMHC MLI Select Program.
Investors must meet particular net worth
and liquidity requirements that include:

• 5-10% of the project cost as da eposit needs to
  be readily available

• An additional 10% of the project cost in liquid
  assets as a contingency

• Personal net worth totaling at least 25% of the project cost

Are There Projects Available Today?
Demand for these properties is high, but new inventory

is readily available. Qualified investors are encouraged
to reach out, and we’d be happy to share the available
and upcoming opportunities.
Projects typically range in size from $1.5M to $120M+.
Frequently Asked Questions
1. What is the CMHC MLI Select Program?
The CMHC MLI (Multi-Unit Mortgage Loan Insurance)

Select Program is a flexible mortgage insurance
product designed to support developing, refinancing,
and acquiring multi-unit residential properties.
The program offers favorable loan terms
and insurance benefits for properties that contribute
to affordable housing, energy efficiency, and accessibility.
2. Who is eligible for CMHC MLI Select?
Eligibility is open to Canadian borrowers,

ncluding developers, real estate investors,
and property managers looking to finance multi-unit
residential properties with five or more units.
Applicants must meet specific criteria related
to affordability
energy efficiency, and accessibility.
3. What are the key benefits of CMHC MLI Select?
Some of the main benefits include:

• Higher Loan-to-Value (LTV) Ratios: Up to 95% LTV
  for affordable housing properties.

• Reduced Premiums: Insurance premium discounts are based on
  meeting affordability, energy efficiency,
  or accessibility standards.

• Extended Amortization: Up to 50-year amortizations offer
  more favorable repayment terms.

• Streamlined Approval Process: Faster processing times f
  or eligible projects.

4. How does the program support affordable housing?
The CMHC MLI Select program incentivizes investments

in affordable housing by offering lower insurance premiums
and higher LTV ratios for properties
that maintain below-market rents for a portion of their units
Investors can access more favorable financing by contributing
to long-term housing affordability.
5. What qualifies as an energy-efficient property

under the program?
Properties must meet energy efficiency standards

through energy-saving renovations or new construction
that reduces energy consumption.
Projects that meet CMHC’s energy efficiency guidelines—like
achieving a 15% or more significant improvement
over provincial energy codes—may be eligible
for better terms and premium discounts.
6. Can I refinance a property with CMHC MLI Select?
Yes, the CMHC MLI Select program allows the refinancing

of existing multi-unit properties.
Refinancing can be used to free up capital
for reinvestment or for upgrading the property
to meet energy efficiency and accessibility standards,
which could make it eligible for additional benefits
under the program.
7. What is the maximum loan-to-value ratio for the program?
The maximum loan-to-value (LTV) ratio varies depending on

the property’s eligibility for affordability,
energy efficiency, and accessibility.
You can sometimes qualify for up to 95% LTV,
which provides greater financing flexibility.
8. How does the program address accessibility?
The program encourages accessibility

by offering incentives for properties that improve
.or maintain accessibility features.
Properties with enhanced accessibility features,
such as barrier-free units or common areas,
may qualify for better financing terms and lower premiums.
9. Is there a limit on the number of units

that can be insured?
There is no strict limit on the number of units

that can be insured, but the property must consist
of at least five units to qualify
as a multi-unit residential property.
More significant developments may receive additional benefits
under the program depending on the extent to
which they meet affordability, energy efficiency,
and accessibility criteria.
10. Are there any costs associated with applying

for CMHC MLI Select?
All associated costs are built into the purchase price;

but costs may be involved, such as appraisal fees,
legal fees, and insurance premiums. However,
the CMHC MLI Select program offers premium discounts
for projects that meet the program’s goals related
to affordability, energy efficiency, and accessibility,
which can lower the overall cost of financing.
11. Can CMHC MLI Select be used for new construction

projects?

Yes, CMHC MLI Select can be applied to

new construction projects and acquiring
or refinancing existing multi-unit properties.
New projects incorporating affordable housing,
energy efficiency, or accessibility features are
especially well-suited for the program.
12. How does CMHC MLI Select help investors shift

from retail to wholesale investing?
CMHC MLI Select allows investors to access

"wholesale-level" real estate opportunities
by offering favorable financing options
for large multi-unit residential properties.
Retail investors typically buy single-family homes
or tiny properties, often with les