Where does your project score on MLI Select?
CMHC's MLI Select program awards points for affordability, energy efficiency and accessibility commitments, and the points decide your leverage, amortization and premium. Answer a few questions and see which tier your project can realistically reach. Illustrative scoring, real method.
Your project
Often the cheapest points on the board
Your estimated score
- 50 points
- Up to 85% leverage, Up to 40 years amortization, 10% premium discount.
- 70 points
- Up to 90% leverage, Up to 45 years amortization, 20% premium discount.
- 100 points
- Up to 95% leverage, Up to 50 years amortization, 30% discount and limited recourse available.
You are 10 points from the 100 point tier. Extending the affordability commitment to 20 years adds 30 points.
Sizing the debt instead? Run the commercial mortgage calculator. Building it? Size a construction loan. Pricing a purchase? Use the cap rate calculator. Wondering what the insurance costs? See how the CMHC premium works. See all calculators.
What this does and doesn't tell you
This estimator applies the published point bands for affordability, energy and accessibility. Real MLI Select scoring is done by CMHC on the full application, energy points require certified modelling, and affordability thresholds depend on CMHC's market rent data for your location. Treat the result as the shape of your tier, not a commitment.
Have a file in mind?
Tell us the property, the timeline and how you plan to exit. We will tell you what is realistic.