Understanding how to maximize MLI Select points with new construction in Alberta starts with recognizing that new builds give you complete design control. Unlike acquisitions of existing buildings, new construction allows you to engineer your point score from the ground up rather than retrofitting around existing constraints. For Alberta developers and builders, new construction is […]

For any serious MLI Select point optimization strategy, Alberta developer teams need to treat scoring as a core project economics decision — not a financing footnote. The hard reality of the MLI Select program is that a project scoring 69 points receives the same financing terms as one scoring 51 points: both land at the […]

Understanding the MLI Select premium reduction per point tier 2026 is essential for any Calgary investor building a multi-family financing model. CMHC’s tiered discount structure reduces your mortgage loan insurance premium by 10% at the 50-point tier, 20% at the 70-point tier, and 30% at the 100-point tier — translating into real, quantifiable dollar savings that […]

The MLI Select minimum qualifying score for extended amortization is 50 points, which unlocks a 40-year amortization period. However, to access the maximum 50-year amortization — the benefit that most dramatically transforms multi-family cash flow in Calgary — your project must reach 70 points. These two thresholds are arguably the most financially significant numbers in […]

The most effective path to the 70 or 100-point MLI Select tier is a combined MLI Select points affordability energy accessibility strategy — deliberately engineering point contributions from all three scoring categories simultaneously rather than over-committing to a single one. This stacking approach consistently delivers better economics than any single-category path because it spreads the […]

The MLI Select score verification process CMHC uses to confirm your point commitments is one of the most misunderstood aspects of the program — and one of the most consequential. CMHC does not simply accept a claimed score at face value. It reviews specific documentation at three distinct stages: before issuing the insurance commitment, after […]