With new regulations in Canada like the flipping tax and property gains tax, I want to be mindful of the risks involved. 

Loan seasoning requirements are usually based on the note date and the loan purpose, like cashout refi. 

I've been working in software consulting services for over 15 years and it's kind of disheartening that I haven't been able to figure it out, but I've got other things to worry about (like how to get a few more properties so i don't have to worry about buggie tech crap anymore :) ).

@Jesi Young I like the tone of your post.

@Juan Perez Seems like you are in an awesome position!

If you want to close with cash, it sounds like youre going to have to liquidate your collateral or borrow against it, which will likely be more expensive that a mortgage.

(Like RC Wiley) The money losing warranties offered by utility companies.

I don't yet have an estimate on cost.I've never used insurance for something like this because A) I've never had an expensive repair and B) I fix most stuff myself on my Denver units.Question is: Should I file a claim or will the insurance company raise my rates so much that it makes it not worth it. 

Nothing fails like success.

In areas like Dallas or Fort Worth, I’ve seen professional cleaning range from $300–$600, especially when dealing with pet-related cleaning like removing cat hair from carpets.