CMHC multi-unit and ACLP leads
Owners and builders of rental buildings asking about insured multi-unit loans or construction funding.
CMHC multi-unit leads are owners, buyers and builders of rental buildings who want to know how CMHC mortgage loan insurance, or the Apartment Construction Loan Program (ACLP), could fit their project. These are two different products for two different stages of a building's life, and a borrower rarely knows which one applies. We screen on the building and the plan, then deliver each inquiry to you alone. Amplify Leads is not affiliated with or endorsed by CMHC.
- Rental buildings of five or more units, existing or planned
- Building, plan and timeline on every lead
- Exclusive and never resold
CMHC multi-unit leads, in 41 seconds
Which CMHC product a rental building owner or builder is really asking about, and what the inquiry looks like when it reaches you.
Standard multi-unit insurance, ACLP and MLI Select side by side
Brokers lump these together and borrowers do too. They answer different questions, so the first call is mostly sorting which one the project belongs to.
| Feature | Standard multi-unit insurance | Apartment Construction Loan Program | MLI Select |
|---|---|---|---|
| What it is | CMHC mortgage loan insurance on a rental building, delivered through a lender. | A low-cost CMHC loan to the builder, from construction through stabilized operations. Formerly the Rental Construction Financing Initiative. | A points-based version of multi-unit insurance, scored on affordability, energy efficiency and accessibility. |
| Typical borrower | Owners buying, refinancing or building rentals. | Developers of purpose-built rental, including seniors and student housing. | Owners and developers willing to take on affordability or efficiency commitments. |
| Building size | At least five rental units. | New rental apartment projects. Minimum loan $1,000,000. | Five or more units. |
| Figures CMHC states | Up to 85% loan-to-value. Amortization up to 40 years on existing buildings and 50 on new construction. | Loans up to 100% of the cost of the residential component. | Terms depend on the points earned. We do not quote them. |
| Borrower track record | Five years of multi-unit management experience, or a property manager with that record, plus net worth of at least 25% of the loan. | Frequent Builder status needs a credit assessment and a proven project record. | Covered on the MLI Select page. |
| Where to read more | This page. | This page. | MLI Select leads |
Figures are from CMHC's own program pages and can change. Check them before you quote anything to a client.
What the form captures and what to be careful about
On the form. Building or site location, number of units, existing building or new construction, purchase, refinance or build, the borrower's rental experience and the timeline. For a builder, the stage of the project matters most, because ACLP is built around construction.
Licensing. The insurance and the loan program are federal, but mortgage licensing is provincial. In Ontario, FSRA exempts only some dealings between non-individual permitted clients. In BC, mortgage services need a BCFSA licence. Confirm your own position with your regulator.
Advertising. Never promise loan-to-value, amortization, a premium or approval. Never use CMHC logos or wording that implies partnership. Credit ads on Meta need the Special Ad Category, so we plan for it.
These leads sit next to commercial mortgage leads and, for builders, construction and land leads. Read how exclusive pay per lead works, or see the company behind this site, Amplify Leads. Month to month, no long contracts.
Questions brokers ask us
What is the difference between standard multi-unit insurance and ACLP?
Standard multi-unit insurance is CMHC mortgage loan insurance on a rental building of at least five units, delivered through a lender. The Apartment Construction Loan Program is a CMHC loan to the builder, with funding from construction through stabilized operations. One insures a lender, the other lends to a project.
Is this the same as MLI Select?
No. MLI Select is the points-based insurance option and has its own page. Standard multi-unit insurance is the base product, and CMHC itself points energy efficiency incentives on newer applications to MLI Select. A lead who owns a building may be asking about either, so the form captures the building and the plan.
Do the ads quote loan-to-value, amortization or rates?
No. CMHC publishes terms for each program, but they change and depend on the building and borrower. Ads invite a conversation and promise nothing about approval, terms or timing.
Do you use the CMHC name or logo?
We name the programs in plain text so people know what we mean, and we never use CMHC logos, official marks or wording that implies approval. Amplify Leads is not affiliated with or endorsed by CMHC.
How do I get these leads?
Run a managed campaign under your own name, or pay per lead in the provinces you work in. Each inquiry goes to you alone and is never resold. A free strategy call will tell you whether your market has enough rental stock and builders to support it.
See what a campaign would look like in your market
A free 30-minute call. We look at your province, your products and what is already working, and map out what we would build. If it is not a fit, you will hear that too.