The Shift to Multifamily Real Estate: A New Frontier for Investors

Josh Perez • May 23, 2024

I'm Josh Perez, and today I want to address a significant trend I've noticed in the real estate investment community. Many investors who have successfully built cash-flowing portfolios of duplexes, triplexes, and fourplexes using residential financing are now looking to expand into bigger projects. With rising interest rates affecting cash flow in smaller residential properties, multifamily real estate is becoming an increasingly attractive option.

Everyone is looking at multifamily real estate and specifically properties that fit CMHC's financing programs of up to 95% loan to value, 40 and 50-year amortizations, the lowest interest rates, and really want to get into that space.

The Appeal of Multifamily Real Estate

Multifamily properties, particularly those that qualify for CMHC’s financing programs, offer several compelling benefits:

  • High Loan-to-Value Ratios: Up to 95% loan-to-value.
  • Extended Amortization Periods: 40 to 50-year amortizations.
  • Lower Interest Rates: Competitive rates that make larger investments more manageable.

These programs can significantly boost your ability to execute large-scale projects, but there’s a catch—you need to have the capital to get started.


The Cost of Entry

Entering the multifamily and commercial real estate market comes with higher initial costs. It’s an investment that’s undoubtedly worth it in the long run, thanks to the favorable financing terms and potential for substantial returns. However, the barrier to entry can be steep.

This brings me to an important point: going at it alone might not be the best strategy.


The Power of Collaboration

Many investors are trying to navigate this transition solo, but there’s a more effective approach: collaboration. By combining forces, networking, and pooling resources, you can move faster and take advantage of these incredible opportunities.

Collaboration can mean:

  • Partnering with Other Investors: Pool capital and share the burden of upfront costs.
  • Networking: Connect with experienced multifamily investors who can offer guidance and insights.
  • Joint Ventures: Form partnerships that leverage the strengths and resources of multiple parties.


Let’s Build Your Plan

If you’re interested in exploring multifamily real estate and leveraging CMHC’s financing programs, now is the time to act. The opportunities are out there, and with the right strategy and partnerships, you can make the transition smoothly and successfully.



Send me a message today, and let's build your plan. Together, we can navigate this new frontier and achieve your real estate investment goals.

Josh Perez
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What Older Canadians Should Know About Mortgage Financing

By Josh Perez • October 7, 2026
Retirement doesn’t always mean a mortgage-free life anymore. And that’s okay. Between higher home prices, rising living costs, and longer life expectancy, many Canadians are choosing to retire with a mortgage or refinance later in life to create more flexibility. The goal isn’t perfection. It’s having options that actually support the life you want to live. If you’re thinking about how a mortgage fits into your retirement years, you’re not alone—and you’re not out of options. Why work with an independent mortgage professional? Because retirement financing is not one-size-fits-all. Unlike a single bank, an independent mortgage professional can look across multiple lenders and solutions to find what truly fits your income, equity, and long-term plans—not just what one institution offers. Mortgage options available in retirement Traditional Mortgage Solutions Many retirees still qualify for standard mortgages. Pension income, investment income, and other retirement sources can often be used to support an application. If you have good equity and solid credit, this is often the lowest-cost option. Reverse Mortgages For homeowners 55+, a reverse mortgage can unlock tax-free equity from your home with no monthly payments required. There’s no income verification or medical questions, making it a helpful option for those who want to improve cash flow while staying in their home. Home Equity Line of Credit (HELOC) A HELOC allows you to access your home equity as needed and only pay interest on what you use. Many retirees appreciate the flexibility and like consolidating income and expenses in one place. Private Financing Sometimes life throws a curveball. If timing, income, or credit create challenges, private financing can act as a short-term bridge. It’s not usually the first choice, but it can provide solutions when traditional lenders can’t. If you’re approaching retirement—or already there—and wondering how your mortgage fits into the picture, let’s talk. A clear plan can make retirement feel a lot more secure and a lot less stressful.
Modern two-story house with a garage at sunset, warm lights on and a landscaped front yard

Self-Employed and Turned Down for a Mortgage? Your Income May Need a Different Approach

By Josh Perez • October 6, 2026
Self-employed in Ontario and denied a mortgage? Learn how lenders assess business income, documents, deposits, dividends, and alternative mortgage options.