MLI Select Explained: 5% Down, 3.5% Rates & 50-Year Amortization (CMHC Program)

Описание: MLI Select is a CMHC government-backed program designed to address Canada’s rental housing shortage — and it’s creating one of the most powerful financing opportunities investors have seen in years.

Instead of traditional commercial terms, MLI Select offers three major incentives:

• 5% down payment (typical commercial is 25–35%)
• Prime interest rates (around 3.5% today; typical commercial is 6–8%)
• 50-year amortization (traditional loans are 25–30 years)

The result?
Lower monthly payments, stronger cash flow, and significantly improved leverage.

In many cases, investors can even recover most — or sometimes all — of their original deposit by closing, making returns more advantageous while reducing overall risk exposure.

All projects offered under this structure are brand new builds, and projections are intentionally conservative because both the lender and CMHC require strict underwriting standards.

If you're serious about multi-unit real estate and want to understand how MLI Select could change your numbers, this video breaks it down clearly.

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-Pete

We are the Muraca Group Real Estate Team EXP Realty of Hamilton, Ontario.

http://www.muracagroup.ca

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Peter Muraca is an award-winning REALTOR® with the knowledge, skills, and experience to guide you home! From first-time homebuyers to savvy investors, he works closely with clients to identify their real estate needs and provides innovative solutions to help them achieve their goals. Peter understands that your home is one of your most precious assets. As a skilled communicator, assertive negotiator, and trusted advisor, Peter will ensure your best interests are protected throughout the home buying or selling process.

Peter grew up in Stoney Creek and has strong roots in the Hamilton community. He developed a passion for homes at a young age, working various jobs in construction. He gained valuable sales experience in the HVAC industry, and later, became a certified energy advisor for the government-led EcoEnergy Retrofit Homes Program. This background formed a solid basis for his understanding of the house as a system. Peter’s interest in homes grew with his participation in over 50 renovation projects, and he began investing in rental properties throughout the city to build his portfolio.

Peter’s love for real estate naturally led to his decision to become a REALTOR®. He acquired his licence more than a decade ago. While working with clients, Peter noticed a shortage of homes on the market that met their wish-list criteria. Eager to bridge the gap and motivated by his entrepreneurial spirit, Peter obtained his Tarion licence and established his own custom homebuilding company Cicala Homes. A natural people person, Peter enjoys building relationships with clients and helping them make informed decisions, with all options considered. His creative approach to problem-solving allows him to forge connections across related industries and act as a strategic partner in all of your real estate pursuits.

Peter’s background in philosophical studies shapes his worldview and inspires him to believe in the power of a positive mindset. He is a loving family man, avid sports fan, poker aficionado, certified scuba diver, and adventurer at heart who enjoys living life to the fullest!

The Muraca Group Real Estate Team at EXP Realty services the Hamilton, Halton, and Niagara regions. Our mission is to guide each and every one of our clients with our vast knowledge of real estate, commercial properties, and investment properties.

Service Area Includes:
Hamilton Real Estate
Stoney Creek Real Estate
Ancaster Real Estate
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Oakville Real Estate
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Grimsby Real Estate
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Jordan/Jordan Station Real Estate
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West Lincoln & Smithville Real Estate
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