And it's very pertinent to today's environment because it doesn't look like interest rates will be coming down much, if at all this year.

I have other assets in Canada but I looking at bringing everything here when the exchange rate is better.

I am in the Palm Bay, FL area and bought an SFR 3/2 for 220k.  30% down, 6.375% rate, and after all expenses, with a property management company, it should cash flow roughly 175/month. 

Our occupancy rates have been 65-95% during the peak.

if you miss your rate lock timing and it costs you to relock who should pay for that?

Should I wait for Spring for greater inventory, or for lower rates to see if cashflow improves?

Memphis is a market where BRRRR is possible, but with rates going up again, it's not a great idea.

We helped her move to PA from FL, provided a furnished apartment at a reduced rate for a while, etc.

Our cash on cash return is essentially infinite as we make money on the delta between the yield of the discounted note that we purchase and the interest rate we pay to our passive private capital partners. 

They are short term loans, usually 6-12 months, high rate, interest only payments.