All in the budget is looking to be around $400k.Are there any programs on a FHA construction loan to decrease the down payment below 3.5%?

Keep in mind a fully maxed out card may temporarily decrease your credit score but it will bounce back as soon as the balance is paid down.

If you get good tenants in your 4 unit that will greatly decrease how involved you will have to be.

I think the coming generation will implement and figure out cost saving ways to keep buildings in good shape with an ever decreasing construction pool of workers.Many in construction are attempting to introduce construction jobs to more young people but they fail to realize the product is the issue and not the marketing.We have to implement technology.

The Rent Zestimate for this home is $1,995/mo, which has decreased by $205/mo in the last 30 days. 

I get things that break, dishwashers, disposals, clogged drains, toilets, showers.I'm looking for a mechanism that would decrease the "This house is 30 years old" work orders.

I have been trying to sell my rental property and for the past few years but the market price keep decreasing where my mortgage owed = market price, currently almost no equity in thereI've considered/ tried following: - conventional way using realtor - even though seller's realtor willing to take less commission, no guarantee that buyer's realtor is willing to do it as well.- agreement for sale/ rent to own - fail because tenant buyer defaulted.- no fee/ low fee realtor brokerage (commfree, 1% realty etc.) - actually they charge more than what it shows in the ad.- direct marketing through kijiji, facebook, reach out to my real estate investor friends for direct sale or another rent to own - this is what I am doing now.- 1% fee realtor website (bodecanada) - this is pretty new and I start to put my property there- rent out to tenants - this is what I am doing nowMy property is half duplex with illegal walk out basement suite so I rent out upstairs for $1200 and basement for $700.

Are there any indicators that suggest population will increase, decrease or stay about the same? 

Your tenant is affected and can't pay the rent, and you can't find anyone else to rent the place(s) unless you decrease the rent so low that it's taking money out of your pocket in order to not foreclose. 

And the answer always seem to involve increasing our monthly expenses, or decrease our amenities....