The ground floor is occupied by a commercial restaurant, and the upper floor is designated as SRO (Single Room Occupancy) under a pre-existing non-conforming use.

Hi @Gregory Fazio, I think it's definitely worth pitching seller financing even to someone who doesn't know what it is, you never when it could be the solution they didn't know existed!  

Hi David, Seller financing may be beneficial only if it requires less then a 15-20% down payment and the seller financing interest rate is less than what we may offer.With most seller financing I have seen allows a borrower to refinance anytime, so make sure there is no prepayment penalty within the contract.Yes, you can always refinance out of seller financing, but the property should not be upside down in value compared to the existing mortgage balance.If you'd like to talk and pick my brain, feel free to get in touch with me.Thank YouCraig

@Trevor WilcoxIn order to get a line of credit the lender will need to secure / collateralize it against existing asset(s).

Consider including features like heated floors, which can be appealing in Vancouver's cooler, wetter climate. 

You can cash out refi DSCR with no problem if this is an existing rental with a tenant and a lease.

I took pre-existing ideas from other members, re-wrote them, and added my own spin to them and posted the draft below.

I’ve found a much cheaper option to be taking the existing stairwell inside the house and fire eating it instead.

Yea this does not exist lol.

The XIRR() fn works fine in the existing examples from the accompanying spreadsheet.