The reality is for large investments, you are going to have to borrow money and pay interest. 

Everyone telling you to do it have no clue to reality or hassle it will become. 

This is to empathize BUT also show reinforcement of the line-in-the-sand, holding to the reality and rules of it. 

While the sales pitch is typically about a holistic approach to your financial well-being or something like that, the reality is commission-based sales.

The reality ended up being it was a fad market, people went there because social distancing was easy and it was a new place to explore. 

Earlier this month I woke up one morning and "felt like" things were terrible and I quickly ran reports and saw my feeling was completely off from reality.

That should be your focus.Personally if you have one mortgage already that is negative cashflow I would be hesitant to buy rright now, especially in canada where from reports their housing situation for pricing is far worse than the US on affordability and just like US, people think prices can only go in one direction but reality is they are moving in the opposite direction.

Of course you should get a General Contractor (Note - not Foundation Contr) to give an opinion.....But in reality, most fixes are not that bad.

And I did not want to try to estimate it through calculating averages because you never know how much people will actually use in reality.

You get updated price and terms, that tenant has a way out.The reality is evictions are expensive and time consuming.