About value properties
Our Mission
Welcome to Value Properties
Your Trusted Partner in Smart Real Estate Investing
At Value Properties, we specialize in helping buyers unlock profitable real estate opportunities through expert guidance, exclusive listings, and tailored financing solutions. Whether you're investing in your first multi-unit building or expanding your portfolio, our mission is to make the process seamless, strategic, and successful.
Why Choose Us ?
- Access Exclusive Investment Properties
We connect you to pre-construction and off-market properties that offer strong ROI and long-term value.
- Direct Builder Pricing
By working directly with reputable developers, we help you secure below-market prices with priority access to new projects.
- In-House Financing Support
Our internal mortgage team works with lenders who understand investor needs, offering fast approvals and optimized loan structures.
- Automated Property Management
We offer end-to-end rental management tools, from tenant placement to income tracking, so you can grow your portfolio stress-free.
Unlock the Power of CMHC MLI Select
We help clients qualify for the CMHC MLI Select program, Canada’s most powerful multi-unit mortgage solution for sustainable, accessible, and affordable housing.
Key Benefits:
- Up to 95% Loan-to-Value (LTV) – Lower your capital requirements and leverage more effectively.
- 50-Year Amortization – Reduce monthly payments and improve cash flow.
- Lower Insurance Premiums – Incentives based on affordability, energy efficiency, and accessibility features.
- Preferred Financing Terms – Benefit from lender confidence and flexible underwriting.
How We Help :
- Identify properties that qualify under MLI Select guidelines
- Provide checklists and documentation support
- Partner with energy advisors and developers for compliance scoring
- Guide you through the CMHC application and approval process
The Full Investment Experience
From deal sourcing to mortgage structuring and property management, Value Properties is your all-in-one partner for real estate success.
Let’s build your portfolio – one investment at a time.
✅ Simplified Qualification Through CMHC MLI Select
- No Personal Income Required to Qualify
You don’t need to show your job or personal income to qualify for financing — the property qualifies on its own.
- Property Income Supports the Mortgage
The rental income from the multi-unit property is used to qualify for the mortgage — making it ideal for self-employed individuals or full-time investors.
- Ideal for First-Time or Scaling Investors
Even if you're just starting your portfolio or expanding it, you can qualify based on the asset’s income, not your personal tax returns.
💼 Minimal Investor Requirements
- Minimum Net Worth Requirement
Investors must show a minimum net worth equal to the loan amount, which can include real estate, cash, RRSPs, investments, and more.
- Minimum Liquidity Requirement
A portion of the net worth must be liquid (typically 20–25%) — such as cash or cash equivalents — to demonstrate readiness for closing and contingencies.
- No Traditional Debt Servicing Ratios Needed
Since MLI Select underwriting is based on the Debt Service Coverage Ratio (DSCR) of the property, there’s no stress test based on your TDS or GDS.
- CMHC-Backed Assurance
With CMHC’s insurance backing, lenders are more flexible and willing to offer favorable terms, especially for long amortization and low-down payment structures.
Bottom Line for Investors
- You don’t need a high salary or employment verification.
- The property’s own income is the main qualification factor.
- As long as you have sufficient net worth and liquidity, you can own high-performing real estate with as little as 5% down.