Multi-Unit 5+ Residential Mortgage Solutions
Streamlined capital solutions for the acquisition, refinancing, and construction of multi-family assets.
At Trusterra Mortgage, we understand that securing financing for multi-unit residential properties (5 or more units) requires a highly strategic approach. Whether you are an experienced investor expanding your rental portfolio, a developer breaking ground on a new project, or looking to optimize your existing debt structure, our deep network of institutional and private lenders ensures your capital structure is optimized for maximum cash flow and long-term yield.
We navigate the complexities of multi-family underwriting to deliver customized term debt, bridge financing, and construction facilities tailored to your investment timeline.
Comprehensive Financing Across the Asset Lifecycle
We provide bespoke capital structures to support your multi-family portfolio at every stage:
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Acquisitions & Purchases: Access highly competitive conventional commercial mortgages or leverage specialized insured programs to secure high-leverage, low-rate financing for your next multi-family purchase.
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Refinancing & Capital Equity Takeouts: Unlock equity from your existing portfolio to fund capital expenditures, lower your cost of capital, consolidate debt, or secure liquidity for your next acquisition.
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Land Acquisition & Construction: Secure the foundational capital required to purchase raw or zoned land and fund the construction of modern multi-family developments from the ground up.
Eligible Property Types & Structures
Our lending programs are designed to accommodate a diverse range of multi-family asset classes:
Apartment & Rental Buildings
Standard residential structures with 5 or more self-contained units, from mid-rise walk-ups to high-rise apartment complexes.
Licensed Care Facilities & Retirement Homes
Specialized residential properties, including assisted living, senior housing, and licensed care facilities with customized operational structures.
Mixed-Use Properties
Properties combining residential units with commercial space. To qualify under multi-unit residential financing guidelines, the non-residential/commercial component must not exceed 20% of the gross floor area or the total lending value.
Condominium Construction Projects
Tailored construction financing solutions, including inventory loans and bridge facilities, structured specifically for multi-unit condominium developments.
The Trusterra Advantage: Conventional vs. CMHC Insured Financing
When financing multi-unit residential properties in Canada, choosing the right structure is critical to your return on investment. We help you analyze and secure the best path forward:
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CMHC Insured Financing (including MLI Select): Capitalize on Canada’s most competitive commercial mortgage program. CMHC-insured loans offer exceptionally low interest rates, extended amortization periods of up to 40 years, and higher loan-to-value (LTV) ratios up to 95% for properties that meet affordability, accessibility, or energy-efficiency benchmarks.
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Conventional Commercial Financing: For acquisitions or construction projects requiring rapid execution, flexible underwriting, or those that do not fit standard insurer criteria, we arrange highly customized conventional commercial mortgages through our extensive network of banks, credit unions, and private trust funds.
Partner with Trusterra Mortgage
Navigating multi-unit underwriting requires specialized expertise, strong lender relationships, and precise execution. Let Trusterra Mortgage handle the complexities of your commercial debt so you can focus on scaling your real estate portfolio.
Note: Some conditions and limitations will apply to the above mentioned products as per lender and insurer guidelines.