Commercial & Multifamily Financing in Toronto and the GTA

Buying an apartment building, refinancing a rental property or planning a new rental project? Monty Capital helps organize the financing request around the property, operating information, ownership, funding requirements and timeline. We assess potential financing routes, including CMHC-insured options where applicable, and coordinate the information needed for the next stage.

CMHC-insured multifamily financing

For rental-property owners and builders, the financing discussion starts with the building and the business plan. We review the project to determine which financing routes warrant further assessment, including MLI Select where appropriate. Program incentives, commitments and lender requirements must be considered together. Start with the municipality, unit count, purchase/refinance/construction purpose, approximate amount required and target timing. We will identify the information needed for an initial review. Financing remains subject to assessment and approval. We also help medical professionals assess financing needs for investment properties and owner-occupied practice premises, based on the particular transaction.

Brokers: bring us your commercial and multifamily scenarios

Monty Capital welcomes broker-originated financing requests for purchases, refinances and rental projects. Start with a short scenario so we can assess the potential fit, identify missing information and discuss the proposed structure.

Understand your compensation early

On eligible transactions, you can retain your full broker fee, with Monty Capital compensated through the lender-side fee arrangement. Fees and responsibilities are confirmed for the specific transaction before proceeding.

Start with a scenario

Share your name and brokerage, the municipality, property type, unit count where relevant, requested amount, estimated value or project cost, current debt, timing and proposed repayment or exit plan. Begin with a non-sensitive summary; we will confirm an appropriate secure route for supporting documents. Client-contact arrangements are agreed with the submitting broker for each file. Financing is subject to assessment and approval.

Discuss a broker scenario

Representative Mandates

• Commercial property purchases and refinancing.
• Owner-occupied real estate for established businesses.
• Multifamily and apartment financing.
• Construction and development financing.
• Bridge financing for acquisition, renovation, lease-up or stabilization.
• Equity take-outs and portfolio refinancing.
• CMHC-insured multifamily financing, including MLI Select where applicable.
• Mixed-use, industrial, retail, office, medical and special-purpose properties, subject to lender appetite.

How the Request Is Assessed

• Ownership structure, purchase price and sources and uses.
• Proposed leverage, net operating income and debt-service coverage.
• Rent roll, leases, appraisals and relevant property reports.
• Construction, vacancy, lease-up or stabilization risk.
• Borrower and guarantor strength.
• A credible repayment or exit strategy.

Our Process

1. Review: Understand the property, ownership, purpose, timing and current financing.
2. Structure: Test leverage, debt service, amortization and exit scenarios.
3. Prepare: Organize the rent roll, leases, financial information, reports and transaction documents.
4. Approach: Present the request to suitable financing sources.
5. Coordinate: Manage questions, conditions, valuations and closing requirements.

Information to Prepare

• Purchase agreement or current mortgage statement.
• Property address, description and intended use.
• Rent roll, leases and operating statements.
• Borrower and guarantor financial information.
• Appraisal, environmental, building-condition or construction materials where available.
• Project budget, sources and uses, and exit assumptions when relevant.

Discuss a Commercial Property Requirement

Share the property, requested amount, purpose, timing and current status. Monty will identify what is needed for an initial assessment and explain the next step.