A public insurance adjuster works on your behalf to dig into these details and get you a larger payout.

If you're in a larger market, there's sure to be other MTR operators you can talk to for market-specific advice.

If that's the case, see if your parents or another relative would be willing to cosign on this first house to get you started.You can also look for an owner-financed deal, but they are harder to find and they typically want a larger amount up front.

Or does it need to be one in larger cities?

They might work for smaller mom-and-pop units (2-8 units), but not for anything larger.Most owners of larger, more established multi-family properties don’t fall into the category of distressed landlords that off-market strategies usually target.

Housing prices in two of our larger cities (Vancouver and Toronto) are also crazy high (eg $1M to buy a starter home)...actually in Vancouver proper at the moment the cheapest home (single family, not strata) is $1.2M...surprisingly (to me) in Toronto the cheapest home on the market is $650K (ignoring some listed for $1 as clearly there is a catch).Our mortgages work differently than in the US, and what we get for rates are only locked in for 1-5 years (typically) and then we have to renew at whatever the current rates are. 

To support some of the challenges some residents may have that feel they conserve while others don't, you can also take the # of occupants and the square footage and come out w/a higher ratio for larger units w/more people.  

However, if your property is larger or more complex, the cost could be higher.

If the scope wasn't necessary, then make a point to inform them they are not to handle those types of tasks in the future. 

What we've found (our opinion):Virtual Assistant (VA): great for task-based work, but they won't care about your company, clients, etc.Remote Team Member (RTM): COVID allowed many to work from home.