Two Powerful Ways to Grow Your Real Estate Portfolio in 2025

By Harris Newman, Mortgage Agent (L2) – TMG The Mortgage Group
Creating Mortgage Solutions “EZ” Coast to Coast

(1)  CMHC MLI SELECT – The 2025 Investor’s Advantage

If you’ve been intrigued in acquiring multi‑unit properties (5+ units) but felt traditional financing kept the door half‑closed, CMHC’s MLI Select program is the key—especially after the program fine‑tuned its rules earlier this year.

What changed in 2025?

• No more “bundling.” CMHC clarified that multiple single‑family or townhouse units on adjacent lots no longer qualify as one application; projects now need five units within the same legal parcel or connected building.
• Turn around times in this process can have a leadtime for up to 120 days, so you want to build in extra time, as well you should have extra downpayment available incase you don’t qualify for the MLI Select program.

How I can help you?

As a Commercial Multi Family Investor I know first hand having walked in your shoes how best to navigate the entire process ‘end to end’ with you and the Lenders.

1. Score‑Maximizing Roadmap – I’ll show you where to capture “easy” points (e.g., modest energy‑retrofit upgrades) to clear the 50‑point minimum and access premium reductions.
2. Rent Roll Stress‑Test – Together we’ll model rent caps to hit affordability targets without gutting returns.

(2)  Buying (or Refinancing) a Property in the U.S.? Your Canadian‑Friendly Playbook

Dreaming of a Florida condo, an Arizona short‑term rental, or tapping into equity in the vacation home you already own? Through TMG , The Mortgage Group’s partnership, we offer a streamlined route tailored exclusively for Canadians—no U.S. credit score or residency required. (as part of a foreign national loan program)

Program Highlights

Property Flexibility: Finance a sunny second home, vacation escape, cash‑flowing Airbnb, or even a multi‑unit building (up to 24 doors).

Low Down Payment: Get started with as little as 20 % down; you can even use secured debt from Canada without inflating your debt‑service ratios.

18+ Specialist Lenders: Access a curated panel of U.S. lenders that focus on foreign‑national mortgages—with no cap on the number of properties you already own.

Rental‑Income Friendly: Qualify with short‑ or long‑term rental projections (AirDNA/appraisal data—no leases required).

Flexible Underwriting: Less‑than‑1:1 DSCR allowed, no U.S. credit score or personal income needed.

Tailored Mortgage Terms: Choose interest‑only or amortizations up to 40 years.

Refinance Solutions: Tap into U.S. equity and keep proceeds in USD (FX hedge) or convert to CAD—your choice.

Higher Potential Returns: Combine lower LTV financing with strong U.S. rental demand for better cash‑on‑cash yields.

One‑Stop Concierge: We translate your Canadian income, assets, and down payment proof into the exact format U.S. underwriters want—moving your file from application to approval faster.

Three scenarios we solve every week

1. Snowbird Upgrade – Use a 30‑year, interest‑only loan to keep payments light while CAD‑USD exchange rates work in your favour.
2. First U.S. Investment – Qualify rental income from day one so the property’s cash flow, not your personal income, supports the loan.
3. Cash‑Out Refinance – Pull equity from an appreciating U.S. asset without selling Canadian investments—perfect for buying the next property or diversifying into stocks.

Ready to Act?
Let’s schedule a call to get started!  https://calendly.com/harrisnewman

Harris Newman, Mortgage Agent (L2)
TMG The Mortgage Group – License #10315
E:  [email protected]
C:  (416) 302 2696

Helping investors coast to coast, and now south of the border!