Score a five-plus unit building on affordability, energy and accessibility, see which tier it lands in, and size the loan two ways: by loan-to-value and by the debt coverage the income actually supports. The smaller of the two is your real ceiling.
Screening model only. Points, premiums and maximum loan are confirmed by CMHC and your lender, not by this tool. Energy points for new construction move to the 2020 NBC and 2020 NECB baselines on 30 September 2026, which makes the 100-point tier harder to reach on the same design. Confirm the current point tables and premium schedule before you write an offer.
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