Ontario Multifamily Advisory

Build Wealth
Through Income Property

Strategy sessions, portfolio evaluation, and financing solutions for Ontario investors acquiring 2–4 unit multiplexes and 5+ unit apartment buildings. Led by Cornell K. Haynes, CEO of Perseverance Asset Management.

2+ Decades in Real Estate Finance
$0 Advisory Fee When We Finance Your Deal
13+ Years Institutional CRE Experience
5+ Unit Apartment & Multiplex Financing

Most investors are held back
not by lack of money —
but by lack of structure.

You own one property. You want more. But between the mortgage rules, CMHC requirements, DSCR calculations, and lender conversations — it feels impossible to know where to start.

That's exactly the gap Perseverance Asset Management was built to close. We work with current and aspiring multifamily investors to map out a realistic, structured path from where you are to where you want to be — before a single offer is made.

Three types of investors we work with

First-time income property buyers

You're ready to move beyond your primary residence. We help you assess what you can actually afford, identify the right property type, and structure the financing.

2–4 Units Duplex · Triplex · Fourplex

Current owners looking to scale

You have one rental property and want to build a portfolio. We review what you have, show you where equity is sitting, and map out the next acquisition.

Refinance to Expand Portfolio Review

Apartment building investors (5+ units)

Stepping into commercial multifamily requires a different financing lens — CMHC MLI Select, DSCR underwriting, longer amortizations. We speak that language fluently.

5+ Units CMHC MLI Select

How the advisory works

The session is the product. The mortgage — if it happens — is the bonus.

Discovery Session

A 60-minute paid strategy session. We review your current financial picture, investment goals, and risk tolerance. This is where we figure out whether multifamily is right for you, and if so — what type and at what price point.

Portfolio & Capacity Analysis

We look at your income, existing properties, debt ratios, and equity position. You leave with a clear understanding of what lenders will see when you apply — and what to fix before you do.

Strategy Roadmap

Depending on your situation, we present financing options, lender profiles, and a sequenced plan. Some clients work on a fee-for-advisory basis. For those whose deal moves to financing, the advisory fee is credited — effectively free.

Execution & Referrals

When you're ready to buy, we connect you to vetted Ontario realtors who specialize in income properties. You come in as a referred, pre-qualified investor — not a cold lead. Deals close faster.

Ontario multifamily
is still moving.

Hamilton cap rates are running 5.5–6.2%. GTA overflow is pushing buyers into secondary markets. CMHC's MLI Select program continues to offer insured financing at amortizations up to 50 years for qualifying rental properties.

The window for well-structured acquisitions is open. The question is whether your financials are positioned to walk through it.

See Who This Is For
Hamilton Cap Rate Range
5.5–6.2%
Secondary Ontario with GTA overflow demand
CMHC MLI Select Max Amortization
50 yrs
For qualifying purpose-built rental properties
Minimum Down (Insured)
5%
MLI Select qualifying builds with high ESG scores

The financing tool most
investors don't know exists.
MLI Select.

CMHC's MLI Select program lets qualifying 5+ unit apartment buyers access financing with as little as 5% down and amortizations up to 50 years — dramatically improving cash flow on deals that would be marginal under conventional financing.

Understanding it — and whether your deal qualifies — is one of the most valuable conversations in any multifamily acquisition.

Read the Full Guide
2–4 Unit Insured
  • 5–10% minimum down
  • 25 yr max amortization
  • Residential underwriting
  • Rental offset applied to income
Learn More →
MLI Select · 5+ Units
  • 5% minimum down (qualifying)
  • 50 yr max amortization
  • 1.10 minimum DSCR
  • 50+ points required (3 pillars)
Explore MLI Select →

Search Ontario
Multifamily Listings

Use our property finder to search duplexes, triplexes, fourplexes, and apartment buildings for sale across Ontario — filtered for income-property buyers.

Results open on Realtor.ca with your filters pre-applied. Members get enhanced search tools in the private portal.

Open Property Finder

Members Portal

Active clients get access to deal analysis tools, DSCR calculators, lender rate matrices, live Ontario listing search, and session notes — all in one private portal.

DSCR & Cash Flow Calculators
Ontario Lender Rate Matrix
Live Listing Search (DDF-enabled)
Monthly Market Reports
Become a Client Learn More

Ready to build a real
multifamily portfolio?

Book a strategy session with Cornell K. Haynes, CEO of Perseverance Asset Management. We'll review your situation, structure a realistic path, and — when you're ready — Cornell's mortgage practice at CornellMortgages.ca can take you from strategy to financing in one relationship.

Mortgage financing inquiries: CornellMortgages.ca