This money gets added onto the back of the loan kind of like a VA funding fee does. 

Refinanced August 2020 into a 15 year loan at 3.375%

How can I build my credit and financial profile to qualify for loans?

Instead of a 1 to 1 ratio, the required ratio can be 1 to 1.2 or 1 to 1.25.More on DSCR loans: DSCR loans won't use your income to underwrite the loan.

And if you are not in a position to refi quickly or cash out the loan then you too take on a risk.. thats it thats the whole enchilada when it comes to sub 2.

Mortgages are the last thing to default for a homeowner and appreciation has been so high in Canada that every homeowner who has purchased before 2022 has gained equity and could just refinance their loan over a longer amortization before defaulting.

I can help run their existing numbers to get more of an idea of the Business's Financials and work with you on how a loan payment would affect cash flows. 

Your realtor will be able to give you a much more detailed market specific answer but with house hacking and a VA loan it should be possible to get 0 out of pocket.

When they presented the opportunity to me, they showed me what countries want it licensed, what companies are interested and all of that.

We hope that you can remedy the situation so that we can move into a habitable home.Suggestions that we have to fix the issues:Hire a company to rip up the carpets, treat the subfloors, and replace the carpets, at least on the main level and on the stairs.Provide an air purifier as a start to remedying the smell.Replace the garbage disposal.Hire a plumber to fix the draining issue in the bathroom sink of the smaller bedroom.Fix the tiles in the upstairs bathroom so they no longer present a safety hazard.Replace or fix the screen doors.Fix the gap between the windows and the walls in the living room.Hire a professional company to treat the entire home for pests.