Commercial Financing Resources
Plain-language guides and tools to help Ontario borrowers understand the numbers, terminology and financing structures behind commercial real estate debt.
CMHC MLI Select
Understand how the program works, the point structure and the role of lender and CMHC underwriting.
Read guide →Understanding DSCR
See how net operating income and annual debt service affect commercial mortgage sizing.
Use calculator →Cap Rate Basics
Calculate capitalization rate and understand what it measures in an income-producing property.
Use calculator →Construction Financing
Review the information lenders typically examine for ground-up and redevelopment projects.
Read guide →Bridge Financing
Learn where short-term financing can fit in an acquisition, repositioning or refinance strategy.
Read guide →Refinance & Equity
Estimate potential proceeds and understand the relationship between value, debt and available equity.
Use calculator →Commercial Mortgage Guides for Ontario Borrowers
Practical resources to help you prepare a financing request and understand the numbers lenders commonly review.
Commercial Mortgages in Ontario
Understand underwriting, lender channels, loan sizing and the financing process.
Read guide →Apartment Building Financing
Learn how NOI, DSCR, value and borrower strength shape multifamily financing.
Read guide →Document Checklist
Organize property, borrower and transaction information before approaching lenders.
View checklist →DSCR Explained
Understand debt-service coverage and why it can limit commercial mortgage proceeds.
Read guide →