Thanks @George Blower...appreciate the welcome!

Real Estate is a very exciting industry, I already have two sales under my belt within the first month, its awesome finding projects that your investors want to take on!

In border states, such as in the Rust Belt and New England, we have found smaller local banks and credit unions who are willing to lend to Canadians (and are familiar with Canadian credit histories, NOAs, etc).

Once I had more money to put down and landlord experience under my belt financing was much easier to get.

@George Blower Thanks for the welcome George!

@George Blower Did you even read my question/post?

Account Closed If it is your first deal and you don’t have much real estate experience under your belt than it is likely that a hard money lender will lend you less than if you did have experience.

Now I am ready to invest and of course, I'm late to the party :(Everywhere I turn, I find cap rates below 5%, and I don't really want to go into risky C or C- properties or Rust Belt markets for my first investment, as I might find myself squeezed if the market crashes, assuming we are closer to the end of the up cycle now than we were 5 years back.So what is your advice, seasoned investors?

Instead of saving for down payments, I'm saving for renovation budgets, I guess, but it's still very limiting.I'm bankable and have a pretty solid foundation of understanding of how all of this works, with a handful of rentals in place and a handful of flips under my belt.

@George Blower, What happens if you own real estate in a Roth SOLO 401k (avoiding UBIT and financed with a non-recourse mortgage) then rollover that asset to (In-Kind service distribution I believe is the technical way of explaining it) a Roth IRA before the mortgage is paid off and is owned free and clear?