To put some icing on the cake, feel free to add in some additional detail at the end on how you filled out the form just to ensure you and the lender are on the same page.

Get Center-ICE and post craigslist ads starting in the fall in Toronto. 

Another option could be an ice dam in your gutters.

There are many reasons for the price disparities, everything from location (the hills are usually a few degrees warmer year-round, and above the ice fog), neighbors (typically a Sanford and Sons type hoarding houses randomly about....so nice houses go up next to what looks like a junkyard), no real building codes, so pretty much anything goes, etc. 

Long, congratulations on breaking the ice and making your first post!

Anything more is icing on the cake.Awesome job and great post with your stats to let others know what to expect...Nice.

It was an ice box inside the house with nobody home, all blinds open, and a blanket on the couch for when she got cold I guessed.

For example, if you put one of those locked plastic boxes over the thermostat, they'll put a ice bag on the box if they want more heat.

I consider RE my inflation hedge(lock in low interest, creep up the rent as population and money supply grows, build equity with mortgage pay down, appreciation only considered as icing, but not expecting it).

I would argue that appreciation is the cake while the cash-flow is the icing.