What people didn't see is from age 22 till 30 years old Gary worked 7 days a week 15 hours a day. 

From the lessons learned on my first property, it took me forever to purchase the second property because I had a very specific criteria while relying on only 1 source for deals (MLS).

Here is a blog where I wrote about a recent 42 unit we bought and did creative things to add value. https://www.biggerpockets.com/renewsblog/bought-multi-million-dollar-apartment-complex-age-26/Just a few ways to produce ancillary income:- Laundry Coin laundryDetergent/laundry essentials in a vending machine in the common area laundry rooms.Rent individual W/D to each unit-Parking Garage parkingCovered parkingprime spot parkingJust plain old charge for parking-Renovations Interior units upgradesCommon area renovationExterior upgrades for curb appeal-Vending machines In common areas such as exercise room, pool house, laundry or leasing office-Trash pick up service In high-end buildings they have a service where you can set trash outside your door and for a fee maintenance will go around each night and collect it so the resident doesn't have to carry it to the dumpster.

Send me a PM and I can help you with more specifics.

I work out of Vaughan with a specific focus in Vaughan, Kleinburg and few pockets in Toronto.

ITIN's have been and are used to extend credit and are very specifically designed for foreign nationals to use in place of an SSN.

If you want I would be happy to dig into the specifics with you and provide you some advice.  

What kind of specific course was it? 

This may not be feasible without more specifics on my taxes but perhaps a rough formula on how I could figure it out.My basic thought process with the math would be the following:For every extra $1.50 I make above $100k (but below $150k); I lose $0.75 I can write off.So here is where my knowledge really breaks down (if it hasn't already unbeknownst to me).So for every $0.75 I lose the ability to write off as a passive loss; will this cost me $0.75 or will it cost me $0.75 times my marginal tax bracket of 28%, which would be $0.75 x 0.28 = $0.21And if it cost me $0.21 per $0.75 and therefore $0.41 per $1.5, that would basically bring my OT down from 1.5x base pay to roughly 1.1x base pay?

When you find the same color(s) in a group, you have your analysis of that specific area (micro-market) for rental numbers.