Commercial Agents
Commercial mortgage agent careers: a full desk, from MLI Select to construction.
Full commercial desk: multi-family, retail, industrial, hospitality, specialty, CMHC MLI Select, construction-to-perm. Senior brokers on a dedicated commercial desk.
CMHC MLI SelectDirect CMHC + Trez + KingSettConstruction-to-permDSCR productsStacked commission
FSRA #13737| 20+ years combined industry experience| 15+ languages
Commercial desk · full product line
A dedicated commercial desk.
A real commercial home for serious agents.
Current selection
CMHC MLI Select
Multi-family · up to 95% LTV · 50-yr amort
40+
Commercial lender partners
7+
Direct lender relationships (CMHC etc)
95%
MLI Select max LTV stacked
50 yr
MLI Select amortization unlocked
Product line
Every commercial type. Same brokerage.
Most brokerages don’t touch commercial. The ones that do typically only do multifamily. Our desk covers the whole product line.
Multi-family / CMHC MLI Select
5-200+ unit residential. Energy + affordability + accessibility point stacking. Up to 95% LTV, 50-yr amortization, sub-uninsured commercial rates.
Retail / mixed-use
Plaza, strip mall, single-tenant retail, mixed residential. DSCR-based and asset-based depending on lender.
Industrial
Warehouse, light manufacturing, logistics, flex space. Strong demand from monolines and credit unions.
Hospitality
Hotel, motel, extended-stay. Specialty lender relationships — limited number of players, we know which ones fit which file.
Construction-to-perm
Ground-up residential and mixed-use. Senior broker manages draw schedule + holdback + take-out conversion.
Specialty + sponsor
Self-storage, senior living, MURBs. Sponsor co-equity introductions when the file needs more than debt.
Why our desk works
The infrastructure most brokerages don’t have.
- Direct working relationships with CMHC, Equitable, Trez, KingSett, RFA, Peoples, Romspen
- Senior commercial brokers on speed-dial
- MLI Select point-optimization expertise (energy + affordability + accessibility)
- DSCR-style products for portfolio-investor commercial files
- Construction-experienced lenders + senior broker draw management
- Sponsor co-equity introductions when files need more than debt
- Commercial training led by senior brokers from the commercial desk
- Dedicated commercial underwriting support on live files
- Licensing course paid back after 12 months + $10M funded
- Stacked commission — commercial + residential volume rolls into one tier
Mortgage360 · commercial deal flow
Active MLI Select3 files
Construction-to-perm1 in draw
Retail / mixed-use2 in DD
MLI point optimizationQ2 quarterly
Equitable BDM callThu 2pm
Combined tier volumeTracked live
FAQ
Common questions about the commercial desk.
Is the commercial desk real or just a marketing claim?
Real. A dedicated commercial desk staffed by senior brokers. Direct working relationships with CMHC (Multi-Unit Insurance Lending), Equitable Bank Commercial, Trez Capital, KingSett Capital, RFA Capital, Peoples Trust, and Romspen.
Can I do BOTH commercial and residential at Mortgage Squad Advisors?
Yes — and your commission line is consolidated. Your residential volume + commercial volume rolls into one production track. Commercial deals typically carry higher per-file commissions but longer underwriting cycles. Some agents do 80/20 residential/commercial, others flip it. Whatever fits your book.
How is commercial commission structured?
The same published tier table as residential. Commercial and residential volume stack into one production line and one tier calculation, so a commercial file moves your tier the same way a residential one does. Lender compensation varies by lender and deal type, and we walk through it with you file by file.
Do I need commercial designation?
In Ontario it depends on the file. Level 1 agents work with institutional lenders, while files involving private lenders require a Level 2 licence. FSRA sets the scope of each licence, so talk to us about your licence level and the files you want to take on. Senior brokers from the commercial desk support you on live files.
What about CMHC MLI Select specifically?
MLI Select is CMHC mortgage loan insurance for multi-unit rental properties that scores a project on affordability, energy efficiency and accessibility. Higher scores unlock more flexible terms, such as a higher loan-to-value, a longer amortization and lower premiums. Getting the scoring and documentation right is most of the work, and senior brokers on the desk walk you through it. CMHC publishes the current thresholds.
How does construction-to-permanent work?
Construction phase + take-out mortgage handled by the same broker. Senior brokers manage the draw schedule, lender holdback, and conversion to permanent financing. We have construction-experienced lenders (RFA, Romspen, certain credit unions) on speed-dial. Most construction files are mid-rise or smaller; we partner with sponsor co-equity for larger projects.
Is there a commercial training track?
Yes — commercial training is led by senior brokers from our dedicated commercial desk, covering MLI Select scoring, DSCR underwriting, construction draw mechanics and commercial appraisals. You also have dedicated commercial underwriting support on live files.
Can I bring my existing commercial book?
Yes — and we’ll value it during the tier-setting conversation. Volume from your last 12 months at your previous brokerage counts toward your starting tier. Active deals can stay at your old brokerage to fund OR transition with our help. We don’t force clean splits.
Want to walk through a live MLI Select file?
Apply confidentially. Our senior commercial team will walk you through a real file structure (anonymized) so you can see the depth before you commit.
Trained directly by our Broker Manager| FSRA #13737
Explore more