Weird CMHC Rules You've Never Heard Of (But Could Cost You Millions)

Think you understand CMHC financing? Think again.

In this episode of Finance Friday, Josh Findlay & Ehren Laycock of ‪@bldfinancial‬ break down the weirdest CMHC rules that could quietly ruin your next real estate project.

They cover everything from CMHC’s crackdown on shared mechanical rooms (especially in Alberta), to the unexpected limits on commercial space in mixed-use developments— how you can only leverage 75% of the commercial value, and why the space can’t exceed 30% of the building’s square footage.

You’ll also learn why reusing even one wall of a pre-existing building could cost you 10% more out of pocket, how bundling five townhomes or duplexes no longer counts toward CMHC’s five-unit minimum, and the hidden impact of CMHC’s internal expense benchmarks on your building’s appraised value.

If you're building or financing multifamily or mixed-use projects in 2025, these lesser-known CMHC policies could make or break your deal. This video gives you the insider knowledge you need to stay compliant and profitable!

Did you enjoy and get value from this video? Let us know your thoughts and if you got any value from this discussion in the comment section below!

Want to thrive & succeed in the 2025 Canadian Real Estate Market?
Check out these other videos with Josh & Ehren:
How To Ensure Your CMHC Application Gets Approved -    • How To Ensure Your CMHC Application Gets A...  
How to Finance Infill Lot Developments in Canada -    • How to Finance Infill Lot Developments in ...  
Multifamily Due Diligence: How to Analyze Multifamily Buildings Like A Pro -    • Multifamily Due Diligence: How to Analyze ...  

Subscribe to BLD Financial on YouTube:
   / @bldfinancial  
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For more information check out Josh & Ehren's Website:
https://bldfinancial.ca/

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More Finance Friday Videos with The BLD Financial Team:
   • Real Estate Financing With Findlay Mortgages  

Follow & Connect with BLD Financial on Social Media:
Josh - 519-729-9212
Ehren - 226-980-5048
Facebook -   / bldfinancial  
Instagram -   / bldfinancial  
YouTube -    / @bldfinancial  
Josh Findlay on Instagram -   / jfins  
Ehren Laycock on Instagram -   / laycock22  

Follow The Canadian Real Estate Channel on Social Media:
Instagram -   / canada_rei  
Facebook -   / canadianrealestatechannel  

————————————
0:00 - Introduction
0:33 - What We’ll Cover
0:55 - Mechanical Rooms
1:55 - Mixed-Use Properties
3:02 - Pre-Existing vs New Construction
4:40 - 5 Unit Minimum
5:35 - CMHC Benchmark Expenses
6:58 - Qualifying Net Worth
7:51 - MLI Select Hold Backs
9:49 - Connect with BLD Financial

#CanadianRealEstate #CMHC #ConstructionFinancing