That is a serious accusation, and you make it with pure speculation and ignorance.

Ottawa's a tough city to get a high cap rate in so the monthly cash flow is typically lower than desired even if looking at a pure rental.I definitely wouldn't say we make a "sh*t-ton of money" :) but we have about 3k/month left over in our budget after all of our expenses.

I usually give the existing tenants 60 days notice so they have ample time to find a new home but beyond that, it's purely business.I do not recommend staggered increases over any stretch of time because that just delays the inevitable.

I like it as a team approach, I think that provides the value add, is set up purely to the customer’s benefit. 

However if this is purely investment (is no plans to move in after some time), you need to objectively do the math on your expected return given what you think price appreciation will be over the life of your ownership ( @Leo Kotschenreuther makes an excellent point) , weighting the risk of a downturn and your ability to continue to fund this investment, and compare that to using your 500k +2k/month to fund any other investment (Amazon stock, bonds, passive investment in a syndicated deal elsewhere.... ) We are holding our San Jose MF, but I've stopped looking for my next deal in silicon valley... property here is all priced for perfection (ultra low cap rates, neg cash flow, smells like 06-07!)

Eventually you might move out and rent the entire thing If it's purely a rental, you could buy and might break even, but can you handle a 10% rent contraction?

So as for whether you should build SFH to any one of these three is purely up to you.

You are now purely collection the fruits of all the trees you have planted and which are now fully grown.

If the interest rates were the same, paying the same total amount each month, either loan would be paid off at the exact same time.....interest charged each month is purely about the total outstanding principal, at that time.

For purely investment no, it is the same as trying to use fha