Can Real Estate Investors Buy With As Little As 5% Down Real Estate Financing?

One of the most common questions investors ask is whether it is possible to buy real estate with less cash upfront.

For certain qualified projects, financing structures such as CMHC MLI Select or CSBFL may offer higher loan-to-value options than traditional financing. In some cases, investors may hear about as little as 5% down real estate financing for qualified projects.

However, this is not automatic.

A lower down payment does not mean easier approval. Lenders still review the borrower, property, income, expenses, appraisal, debt service coverage, and overall risk. The project must make sense financially, and the borrower must meet lender and program requirements.

This is why proper analysis is important. Investors should review the proforma, rental income, operating expenses, vacancy, financing terms, and exit strategy before moving forward.

NPS Group is hosting a free online webinar to explain how CMHC MLI Select and CSBFL financing may apply to qualified real estate investors.

Free Webinar: CMHC MLI Select + CSBFL Real Property Financing

Date: June 26, 2026

Time: 7 PM Calgary / 9 PM Toronto

Location: Online via Zoom

Register here:https://www.npsgroup.ca/cmhc-mli-select-seminar