I just hope i can find something before the new year ideally so i can stop paying rent and own something.Noted on the cash flow aspects too (i have been using the duplex calcualtor for this) and understand i will have a small net payment each month while living there, which is completely understood and fine by me (better than paying large rent)

The really attractive part of the loan is the idea of not having to put down cash as a downpayment (even though I do have cash available since I was initially anticipating going with a Conventional 30-year loan).Is it fine to assume the risk of interest rates going up for the sake of putting 0% down?

The medium and large corporations were fine.

When you replace it, you deduct this $8k.Tax professionals who know the fine details of these issues are not cheap.

I am fine living in it for the first year or two and have a current roommate that will rent from me for as long as we live there, so I am not too worried about negative cash flow in the first year.

You have a different opinion and that's fine, you've gotten different information on which you base your opinion. 

It’s just part of the costs and as long as I’m under 65% CTV I’m fine. 

I think it will be fine for Pad Split and am moving forward with them.

ALWAYS LOOK PAST THAT AND READ THE FINE PRINT.  

I posted here because it all sounds fine and dandy if that's how it all works, but I would imagine there must be more nuance to it that I am not taking into consideration.