Multiplexes and Tiny Homes

Tiny Home Suitability Map Toronto ADU Search Tool Toronto Garden Home Page

Create a Multigenerational Living and Aging in Place Environment for Seniors.

Up to $80,000 CMHC MLI
Select Grant Equivalent

Access longer amortization, lower interest rates, and up to $80,000 in energy efficiency and accessibility grants or incentives with CMHC’s MLI Select program—especially with barrier-free design and affordable rents.

A Garden Suite, also known as a Tiny Home or ADU

How to Check if a Toronto Property is Suitable
to Build a Tiny Home ADU

Go to: Zoning Consultation Map
  • Use the search bar in the top right corner of the map.
  • Type your full street address and press Enter .
  • Click on your property on the map.
  • A pop-up will display your Zoning Code (e.g. RD, RS, RT, RM).

Review the City’s ADU resources:

See the City’s Zoning By-law 569-2013 for rules on setback, lot coverage, parking, and height:
Zoning By-law 569-2013

ZERO MONEY DOWN FINANCING — How It’s Possible

CMHC MLI Select Financing

  • What It Is: Up to 95% loan-to-value (LTV) apartment construction loan
  • Who It’s For: Garden suites, 4-plexes, laneway houses, 6-plexes
  • Terms:
    • 40-year amortization
    • No personal guarantees
    • Interest-only during construction
    • Up to 50 years if net-zero or accessible
  • Key: 5+ year rental commitment with energy or affordability standards

4-PLEXES — As-of-Right

  • Toronto zoning now allows up to 4 units on any residential lot
  • No variances or rezonings required
  • Permitted layouts:
    • Teardown and rebuild as 4-plex
    • Convert existing house (detached/semi-detached)
    • Duplex + 2 basement/ADU units
  • Can combine with a garden suite to form 5–6 unit portfolio
  • Financing via CMHC MLI Select and JV/Co-Ownership models

6-PLEXES — 9 Wards by Aug 2025

Allowed in:

  • Wards 4, 8, 9, 10, 11, 13, 14, 18, 19
  • Replace bungalow with 6-unit rental or condo conversion
  • CMHC financing available with as little as 5% down
  • Rental or ownership model permitted

MAJOR STREETS — Up to 60 Units

  • 135+ corridors zoned for mid-rise missing middle
  • Allows:
    • 3–6 storey rental apartments
    • Walk-up row housing
    • Stacked townhomes
  • Examples: Danforth, Dundas, Keele, St. Clair, Kingston Rd, Dufferin
  • Financing options:
    • CMHC Apartment Construction Loans
    • Toronto Open-Door Incentives
    • Density bonusing for affordability
  • Build 20–60 units fully financed with gov-backed mortgages

Want to Learn More or Get Prequalified?

We assist with feasibility reports, CMHC screening, permitting, builder matching & more.

We assist you with:

  • 📄 Feasibility Report for your property
  • 📊 CMHC pre-screening on rental income and affordability scoring
  • 🤝 Possibly a JV partner or builder to front capital
  • 📐 Permitting and design support

We offer:

  • 🛠️ Turnkey development services
  • 💰 Zero-money-down financing consultations
  • 📍 Feasibility + zoning reports for any Toronto address
  • 📑 CMHC application prep + builder matching
📞 Call 437-556-8558 📧 Email welcomehome@property.ca