I'm thinking the condos in Alberta would have the lowest appreciation and Calgary would have the most appreciation.  

The interest rate they gave me at us 7.70%, 5/1 ARM, rent to debt service ratio is 1.21My credit score is 672.

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

There are 80% LTV cash out refinance options and 85% LTV for a single family rental purchase if the property is cash flowing (DSCR ratio of 1) and the credit score is high enough.

We have good success with STR and MTR, lots of Universities here, 2 Air Force Bases, Air War College, Space Force, 3 hospitals, Amazon distribution center, Meta data facility, Hyundai manufacturing, 2nd lowest taxes in the nation.

Currently, Cleveland has one of the lowest price/rent ratios in the Nation, with the average home price being $187k and the average rent being $1,416/Mo. 

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

The lowest barrier to entry I've seen for house hacking would be to find areas with grant loans, there are several here in central OH, they are general "majority minority" areas, but many local banks are incentivized to do loans in these areas, so you can often get into a 2-4 unit with no money down, and 15K towards closing costs and rate by down. 

Home sales have reached their lowest point since 2010, driven not solely by high interest rates and low inventory but by shifts in household incomes and confidence.As fewer people search for homes, this altered sentiment trickles up, impacting business and investor confidence.

His note seemed to indicate it was an unsecured line of credit so I wouldn't touch that with a 10-foot pole.The short answer is: everything is negotiable.