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Maximizing CMHC’s MLI Select Points with Energy Efficiency and Accessibility

At 5 in 6 Design Build Inc., our design is meticulously crafted to qualify for maximum points under CMHC’s MLI Select program, ensuring you achieve the best possible financing terms. The MLI Select program rewards properties that prioritize energy efficiency, affordability, and accessibility with reduced insurance premiums, lower interest rates, and extended amortization periods—up to 40 years at 95% loan-to-value (LTV). Our design meets and exceeds these standards by incorporating key features that align with CMHC’s criteria:

Energy Efficiency (Up to 50 Points)

• High-Performance Building Envelope: Our design features advanced insulation systems, such as R-15 on the exterior and energy-efficient windows, to minimize heat loss and reduce energy consumption.

• Energy-Efficient HVAC Systems: We integrate modern heat pump systems and baseboard heaters to ensure low energy usage during the coldest Toronto winters.

• LED Lighting: All lighting fixtures are energy-efficient LED to further reduce operational costs.

• Appliance Efficiency: Each unit is equipped with ENERGY STAR-certified appliances to lower electricity usage.

These features combine to achieve a minimum of 25% energy consumption reduction compared to the current building code, maximizing your energy-efficiency points.

Accessibility (Up to 50 Points)

• Barrier-Free Design: Our layout ensures step-free access to at least one unit and includes wider doorways and hallways to accommodate mobility aids.

• Accessible Bathrooms: We include roll-in showers, grab bars, and accessible bathroom layouts in designated units.

• Enhanced Universal Design Features: Kitchens are designed with lower countertops and easy-to-reach appliances in accessible units, ensuring compliance with CMHC’s accessibility standards.

This makes your property not only more inclusive but also appealing to a wider range of tenants, increasing long-term demand and value.

Affordability & Sustainability

While our focus is on energy efficiency and accessibility, your property can also qualify for additional points by offering a portion of the units at affordable rents, enhancing your eligibility for top-tier benefits under the MLI Select program.

Benefits of Achieving Maximum MLI Select Points

• Lower Mortgage Insurance Premiums: Reduce upfront costs, keeping more capital in your hands.

• Lower Interest Rates: Preferred financing terms to improve cash flow and ROI.

• Extended Amortization Periods: Up to 40 years, reducing monthly mortgage payments and boosting long-term profitability.

• 95% Loan-to-Value (LTV): Secure higher financing amounts with less equity required upfront, minimizing your investment risk.

By designing your property with energy efficiency, accessibility, and sustainability at the forefront, 5 in 6 Design Build Inc. ensures that you unlock the full benefits of the MLI Select program, securing the best possible terms for your investment. This approach doesn’t just meet today’s standards—it future-proofs your property for long-term success.