Claim Over $100K in Government Incentives
Build a Backyard Suite
Build a Legal Backyard Suite or Laneway Home and Earn $1,000–$3,000/Month in Passive Income.
Create a Multigenerational Living and
Aging in Place Environment
for Seniors
What If You Could Build Such a Home… Without Buying Land?
Secure up to $80K in CMHC incentives 01
Earn rental income—on property you already own 02
Design a private, accessible space for aging parents or adult children. It’s a future-proof housing solution that adapts to life’s changing needs. 03
Every tiny home can be thoughtfully designed to support accessibility and aging in place, with features like zero-step entrances, wider doorways, accessible bathrooms, and open floor plans. Whether you’re welcoming aging family members or preparing for your own future, these homes offer comfort, dignity, and independence—without sacrificing style or value. 04
Nearly Every Toronto Home Qualifies
Bylaw Since 2022:
Allows one garden suite per lot (rear-yard detached ADU), even without laneway access.
Requirements:
- Must meet setbacks, height, and emergency access requirements
- No parking required
Typical Cost:
$250,000–$400,000
Funding Options:
- CMHC MLI Select
- Refinancing using equity
- Toronto Green Standard (Tier 1) bonuses
Grants:
- Enbridge HER+ rebates (~$5–10K)
- CMHC up to $80K capital contribution (non-repayable)
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.
Why an Accessible Tiny Garden or Laneway Home Is the Smartest Move You Can Make This Year
Garden Suites
Also called Tiny Homes, ADUs or Alternative Dwelling Units.
Laneway Homes
Available in Toronto & East York only. Same CMHC + rebate benefits. Requires laneway access.
A Laneway Home
Toronto now allows Tiny Homes to be built in Laneways
Rental Income Potential in a Growing Market
Accessible units are in high demand due to Ontario’s aging population and housing shortage. These features also increase your property value.
How to find out if you can build a Tiny home
Unlock $137,500 in Garden Home Grants—Act Now!
Transform your property with forgivable loans, tax credits, and low-interest support—top 20% of homeowners succeed here.
Over 5,000 have claimed—join the top 20% securing financial freedom today!
Click now—90% of visitors take the next step!
Tiny Home Suitability
Confirm your Toronto eligibility instantly—top 20% act now!
Home Page
Unlock ADU services and grants—top 20% start here!
Toronto City Page
Master Toronto’s grants and rules—top 20% act with confidence!
Disclaimer: Guidance only, not advice. Consult professionals. Grants subject to eligibility as of July 28, 2025, 12:04 PM EDT. No liability.
How to Check if a Toronto Property is Suitable to Build a Tiny Home ADU
- 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:
Zoning By-law 569-2013
Use these tools to assess suitability by neighbourhood or citywide:
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
How to Buy or Build with $0 Down
| Project Type | Financing Source | Zero Down? | Notes |
|---|---|---|---|
| Garden Suites | CMHC + Enbridge | ✅ | Rental & energy standard required |
| Laneway Houses | CMHC + JV Builder | ✅ | Laneway access needed |
| 4-Plex | Refinance + MLI Select | ✅ | Now legal citywide |
| 6-Plex | CMHC + Affordability Bonus | ✅ | Legal in 9 wards |
| Major Street Dev | CMHC + City Incentives | ✅ | Up to 60 units |
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