It was nice of you to be so inclusive, but as you see, this can also cause nuisance to you. 

Wrap Around Mortgage or All Inclusive Trust DeedB3.

No management history is required for this.Only your primary residence housing expense is included in front end debt ratio (inclusive of taxes, insurance, hoa and/or mortgage insurance; that expense divided by gross monthly income). 

We all try to be inclusive and understanding of everyone but its a two way street.

By end if the day, youll have about 15k, and your mortgage limit will be about 1,700-1800/month all inclusive.

(Having that info makes it easy to be in control of the next phone call and to know what to target) Creating investment value spreadsheets of multiple properties with inclusion of closing costs, commission, all holding costs, repair costs and desired profit.

Another thing to consider is, can you afford the full mortgage pmt (is your amount inclusive of insurance and tax?)

It is by no means all inclusive.  

There will still be an impact here, but not as large as if the capital gains inclusion is increased to 75%.

These are by no means all inclusive, but they do show the quality of work that was put into this project.