The down payment requirement on multi-residential properties (5 units or more) is typically 25-30% of the appraised value. One method to reduce the down payment requirement is by getting a CMHC insurance. Under a CMHC mortgage you can pay as little as 15% down on a multi-unit investment property, and the insurance premium at a loan to value (LTV) of 85% is 4.5% of the loan amount. CMHC insurance premiums decrease if the LTV is less than 85% So for example, if you got a mor