In this episode of Questions of the Week on the REI Hot Seat, we build on last week’s discussion around CMHC financing and answer a question we get all the time: what deals can you not bring to CMHC?

We break down which property types are immediately disqualified, how CMHC looks at mixed use buildings, and why both square footage and revenue allocation matter. We also get into common misconceptions around mixed use assets, minimum unit counts, and how some owners and investors miss out on CMHC financing simply because they assume their building does not qualify.

Using real examples, we explain how reclassifying space properly, understanding nuances around basements and common areas, and doing things the right way can unlock significant refinancing and acquisition opportunities. We also cover the risks of misrepresentation, CMHC inspections, and why clarity upfront is critical before moving forward with financing.

If you own a building or are considering purchasing one and wondering whether CMHC financing is an option, this episode will give you clarity.

Have a question you want us to answer next week? Drop it in the comments.

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David Hulshof Instagram: https://www.instagram.com/davehulshof.realestate/

Jacob Campagnaro Instagram: https://www.instagram.com/jacob_campagnaro/

Questions of the Week | Which Deals Do Not Qualify for CMHC Financing?

0:00 Questions of the Week intro

0:18 What deals cannot go to CMHC

0:41 Property types that are immediately disqualified

1:07 Mixed use buildings and the 30 percent rule

2:06 How basements and common areas are treated

2:49 Revenue allocation and why it matters

3:20 Unlocking CMHC on misunderstood mixed use deals

4:29 Minimum unit counts and deal sizing

6:07 CMHC compliance, inspections, and doing it right

8:32 Final takeaways on qualifying for CMHC

DISCLAIMER: THIS EPISODE, AS WITH EVERY EPISODE OF THIS SHOW, SHOULD NOT BE CONSIDERED AS ADVICE. INVESTMENT ADVICE IS NEVER GIVEN ON THIS SHOW. ALWAYS CONSULT A COMPETENT INVESTMENT ADVISOR BEFORE MAKING AN INVESTMENT DECISION.