Hi @Mazin El-AchkarThanks for your response I would love to invest in Montreal, but my goal or strategy is cash flow, and I don’t see that happening in Montreal, I believe max CAP is at 5-6%On the other hand I see potential in terms of cash flow in Saint John and also opportunities for quick flipsMaybe in the future, after building equity and credit history, Montreal could be an option But still, I’m basing these data on what I could find, maybe you could lead me to a source that gives more info about Montreal market Thank you for your response and I’ll be visiting next month Montreal and maybe we could connect

I had to scramble to raise $800k over a weekend so that I did not burn my bridge and performance history of closing on all transactions on time that I commit to.

Based on your post history, I believe you are getting the exact measure of results in proportion to the quality of content you have provided. 

If you have bad credit, it means you have a history of not paying your bills on time.

I believe you need to have 2 years of proven rental/landlord history, documented on your tax returns.

It seems pretty steep unless you are really connected to some history in the area. 

Value on 1-4 family is not determined by this "income" approach...it's largely determined using the "comparable sale" approach but I don't have comps so I used income.Appreciation forecasts come from market knowledge (and market history).

This may have been a little different though due to the history we have.

Four units turned into 25 in 3 years time and the rest was history. 

Even if you had sufficient business history on your own without receiving W2 income, you’d still be required to wait unless you find a bank who doesn’t require that “seasoning” period at all.