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How to Own $5M Multi Family Home with only 5% Down

  • Writer: Marcus Ellington
    Marcus Ellington
  • 21 hours ago
  • 4 min read

Updated: 2 hours ago

For many investors, the idea of owning a multi million dollar income property feels out of reach. The upfront capital, financing requirements and perceived complexity often create a barrier that seems impossible to overcome. In reality, the path into high value real estate is far more accessible when you have the right structure and the right team guiding you.


At JULY Real Estate Group, we have created an investment program that removes these barriers. It is designed for investors who want to scale into multi unit properties in Calgary and Edmonton with a significantly smaller initial investment than traditional commercial financing requires.


Eye-level view of a modern residential property with a well-maintained garden
A modern 4-Plex Design with 2 Large Townhomes on top and 2 Basements at the bottom

A Modern Approach to Multi Unit Ownership


Imagine owning a $5,000,000 multiplex with only 5% down. That is a $250,000 entry point. Many investors already allocate this amount toward a single detached rental. Instead of buying 1 door, you could be buying an entire income producing building.


This is not a theoretical concept. It is a structured, government supported program that has already helped investors transition into large scale real estate with confidence.



Program Overview


Our program allows investors to purchase multi-unit properties such as multiplex buildings with just a 5% down payment. This means that for a property valued at millions of dollars, you only need a fraction of that amount upfront. For example, with a 5% down payment of $250,000, you could potentially own a property worth $5 million.


Key Benefits


1. Government Backed Assurance

The program is supported by CMHC MLI Select, which provides government insurance on the loan and significantly reduces lender risk. Investors benefit from:

  • easier qualification

  • lower interest rates

  • more favourable terms

  • greater long term stability


2. High Leverage With Minimal Initial Capital

By financing up to 95% of the property value, your upfront investment remains low. This allows you to:

  • scale faster

  • preserve liquidity

  • diversify your portfolio

  • maximize return on equity


3. Long Term Repayment Options

The program offers amortization periods of 40 to 50 years, resulting in:

  • lower monthly payments

  • stronger cash flow

  • more predictable long term performance


4. Built for Alberta’s Strongest Markets

Although JULY was founded in British Columbia, this program is designed specifically for multi unit opportunities in Calgary and Edmonton, two of the strongest rental and population growth markets in Canada.


Why JULY Real Estate Group Is Uniquely Positioned to Deliver This Program


Most BC based real estate companies operate only within BC. JULY is different.


Deep Roots in BC and Deep Operations in Alberta

We are heavily involved in the Alberta market and connected with the largest builders and developers in Calgary and Edmonton. Our team works directly with construction trades, development groups and local professionals who understand the nuances of each neighbourhood and sub market.


Local Knowledge That Matters

Because this program takes place in Calgary and Edmonton, local expertise is essential. Our Alberta teams understand:

  • which neighbourhoods offer the strongest rental demand

  • where population growth is accelerating

  • which areas produce the highest cash flow

  • which projects offer the best long term appreciation

  • how zoning and development cycles work in each city

This allows us to recommend the right projects in the right locations to maximize your investment performance.


A Competitive Advantage That Sets Us Apart

JULY is one of the only real estate groups in BC with a fully integrated Alberta operation. Our builder relationships, developer network and on the ground teams allow us to execute this program at a level that other companies cannot match.



How it works


Step 1. Initial Assessment

You begin by completing a confidential net worth calculation form. This confirms eligibility and determines your purchasing power. Our team reviews your file and provides feedback within 48 hours.


Step 2. Property Selection

Once approved, we guide you through the selection process. Our Alberta network gives you access to high quality multi unit projects that meet the program criteria. These opportunities are not available on the public market.


Step 3. Investment Management

We assist with financing, acquisition and ongoing management support. Our goal is to ensure your investment remains secure, profitable and aligned with your long term objectives.


Success Stories


In the past 12 months, 58 investors have used this program to acquire hundreds of millions of dollars in Alberta real estate. Many were first time commercial buyers who never expected to own multi unit buildings.

Today, they are benefiting from:

  • stable rental income

  • long term appreciation

  • tax advantages

  • accelerated portfolio growth

This program is proven and repeatable.


Why choose JULY Real Estate Group


Local and Inter Provincial Expertise

We operate in both BC and Alberta, giving our clients access to two of the strongest real estate markets in the country.


Comprehensive Support

From assessment to acquisition to management, we provide complete end to end guidance.


Proven Results

Our track record of successful investments and satisfied clients reflects our commitment to excellence and long term value creation.


Limited time opportunity


This program is a limited time opportunity. Government backed initiatives such as CMHC MLI Select can change or close without notice, similar to how certain immigration programs in Canada have been discontinued in the past. There is no guarantee that this structure will remain available indefinitely.


Get Started Today


If you’re ready to take advantage of this unique opportunity, don’t wait. Contact us today marcus@july.ca to learn more and begin your journey toward owning high-value real estate. Our team is here to guide you every step of the way.

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