I would encourage you to sit down with a couple of real estate salespersons and choose one based upon experience as well as knowledge of the area. 

The two countries may seem similar, but they are so different and I say that with my sister's family (who are American) sitting in the same room as me right now.For housing, I can't think of many Canadian cities where you can buy a house under $100K (or even $200K).

Because there are nuances to seller financing, a lot of space would need to be devoted to covering the subject to make sense, and that requires sitting down to a cup of coffee for a long discussion.

They sit on their *** for 2 months, not a single bite. 

You are correct, local banks would go in and sit with them and go through rates and financing and understanding the payment.

For single family residential I think it is a red flag, usually price if they are sitting.

A purchase you made in 2020 or 2022 would not really be thought of as a BRRRR because I'm guessing those units have been rented since then and were not just sitting vacant with you paying on those mortgages.

I’ve been told I still have a lot of equity in #1&2 just “sitting around” and it should be put to use rather than just sit there.

Something about acting on unconfirmed information really doesn't sit well with me.

too bad she lied, she may have been a good tenant. hard to tell these days, sometimes you get clean background checks but the truth is they just were never caught before and are terrible tenants, some bg's come back with history and their the most punctual and quiet tenants possible. you just never know these days. judging a book by it's cover sucks but we gotta do it.