One of the most common myths in real estate is that you need a massive down payment to get started. But thanks to CMHC’s multi-family financing program, that’s no longer the case. If you’re buying a residential property with five or more units, you may qualify for insured financing with as little as 5% down.

This makes multi-family properties an accessible option for newer investors or those who want to expand without tying up too much capital. The rental income from multiple units can often cover mortgage payments, expenses, and still leave you with monthly cash flow. Even better, many of these buildings qualify for CMHC-insured loans with excellent rates and terms.

When combined with property management services, this can be a truly passive investment — perfect for those who want to grow their portfolio without day-to-day involvement. From tenant screening to repairs, everything can be handled for you.