MULTI-UNIT CONSTRUCTION · GTA
Multi-Unit Construction in the GTA
Built by owners who hold rental buildings of their own.
BuildwithMGI is a licensed Ontario general contractor building multiplexes and multi-unit rentals for investors and developers across the GTA. Founded in 2014, its multi-unit work includes a 13-unit commercial-to-residential conversion in Cornwall that received occupancy in August 2026. Every project runs permit to occupancy with lender-ready draw reporting, whether financed conventionally, privately or through CMHC.
Owner risks
Your pro forma has three enemies. We build against all of them.
Budget drift
A line-item schedule of values, allowances written into the contract and a signed change order before any extra is built. You see cost-to-complete every month, not at the end.
Carrying costs
Every month of delay is another month of interest on your construction loan. Permits, long-lead materials and trade sequencing are locked before we mobilize.
Draw delays
Lenders release funds on proof. Our draw packages follow your lender's schedule with progress photos, cost-to-complete and statutory holdback tracking.
Financing
Built to your lender's standard, whoever your lender is.
Most multi-unit builds are financed conventionally. Some qualify for CMHC. Our reporting works for all of them.
Conventional construction loan
Bank draws released against inspected progress. We deliver the schedule of values, monthly cost-to-complete and the documentation the lender's cost consultant asks for.
Private lender
Faster capital, tighter oversight. Same draw discipline, with reporting timed to the lender's release cycle.
Equity or cash
No lender, same rigour. Monthly budget-versus-actual reporting and holdback tracking so your capital stays accounted for.
CMHC MLI Select
CMHC's points-based mortgage insurance for rental buildings of five or more units. Points come from affordability, energy efficiency and accessibility; the top tier allows up to 95% loan-to-cost and amortization up to 50 years, with a minimum debt coverage ratio of 1.10. From October 1, 2026, new-construction energy points are scored against the 2020 national codes. We design to your points target, and our CMHC-experienced financing partner, Nicholas Brown of 4Capital, structures the file. Terms change; your partner confirms current figures.
What we build
From triplex to purpose-built rental.
Multiplexes (3 to 6 units)
Triplexes, fourplexes and, where zoning allows, fiveplexes and sixplexes.
Garden and laneway suites
Where the municipality permits them, built alongside the main building.
Purpose-built rentals
Low-rise Part 3 buildings designed for long-term hold.
Commercial-to-residential conversions
Offices, retail and industrial buildings re-permitted as rental suites.
Mixed-use
Ground-floor retail with residential above.
Technical scope
What's inside a BuildwithMGI multi-unit contract.
Zoning review and Committee of Adjustment coordination with your planner.
Permit drawing coordination across architect, structural, mechanical and electrical engineers.
Fire separations and sound separation between suites to Ontario Building Code requirements (STC 50 minimum between dwelling units).
Sprinkler and fire alarm systems where Part 3 applies.
Separate hydro metering and water sub-metering so utilities bill to tenants.
Water and sewer service upsizing for added units, coordinated with the municipality.
Energy modelling to code, or to your MLI Select points target.
Barrier-free suites where required or where they earn MLI Select accessibility points.
Occupancy permit, as-built drawings, warranty and operations manuals at turnover.
Process
Five stages. One family accountable for all of them.
Feasibility
Lot yield, zoning check and a preliminary budget range.
Pre-construction
Drawings coordinated, cost plan locked, lender package prepared.
Permit
Applications filed and examiner comments answered.
Build
Monthly draw reporting, site photos, cost-to-complete.
Occupancy
Final inspections, occupancy permit, suites rent-ready.
Our crews do the work, each carrying its own insurance and WSIB coverage. A family owner walks every site.
Every BuildwithMGI project carries $5 million in commercial general liability insurance, with you and your lender named as additional insureds on request. Every new build is covered by course-of-construction insurance for its full value, in place before we start work. Our crews do the work, each carrying its own insurance and WSIB coverage. We confirm WSIB clearance before every payment.
Case study · Cornwall, ON
A commercial building, re-permitted as 13 rental suites.
A former commercial building converted to residential under a change-of-use permit: 13 suites across two lobbies, with two suites entered directly from the street.
Built across York Region, the GTA and Eastern Ontario.
York Region and Northern GTA
Newmarket · Vaughan · Richmond Hill · Aurora · Markham · King City · East Gwillimbury · Holland Landing · Bradford · Mount Albert · North York
Surrounding hubs
Hamilton · Barrie · Oakville · Mississauga · Milton · the Greater Toronto Area
Eastern Ontario and NCR
Ottawa · Cornwall
Zoning differs in every municipality. We check yours before you commit.
FAQ
Questions owners ask.
Send us the lot. We'll tell you what it can hold.
Share an address, drawings or a pro forma. A family owner reviews it and replies within one business day.