There is a reason banks don't make loans on stocks.

Gerhard Listander Try “Small Business Bank.”

My wife nothing but student loans and car debt.

Imagine a 4bed/2bath home with a small ADU in back, a converted garage with a private entrance, or a three-level home with a basement that can be converted into a private apartment.You can get privacy and house hack, but it takes a little more effort.

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

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. 

Refinanced August 2020 into a 15 year loan at 3.375%

If you're purchasing a single family home you can use traditional financing like you probably did on your house or you can do a commercial loan.

Dont fall into the $/sf trap or start thinking "$50k SHOULD be able to update a small house".