I'm sure they are, and like the police they are necessary to keep a clean and usable environment like you mentioned.

I will definitely listen to those tomorrow as I have some downtime and "peace and quiet";  thanks!

They get more out of a social environment like cubicles.Some it may be Power- getting things done and putting your name on billboards and their office, truck or wherever  Hard to be a quiet stealth wealth landlord if thats your thing.

Peace of mind from less debt.Pros for taking out the line of credit: We could capitalize on the SFH's equity (while still keeping it as a cash flowing rental- although the high monthly cash flow would decrease -  and avoid "parking our money" in the home's equity. 

I manage from an hour away so having someone that’s available and able to spot hazards gives me peace in this regard .

@Peace Lily Ok, so the 2nd & 3rd floor are 1 unit but you're renting it out on 2 separate leases?

Beware when reading that the Canadian/Ontario real estate/financial environment here is nothing like that in the US.

In the current lending environment you may be able to find a non-conventional lender that will let you get away with a 10-15% down payment, but expect to pay for that in interest rate (upwards of 7%+)No matter what though nothing is impossible no matter what anyone here tells you.

Not everybody wants to live in highly urban environment where most of these units are,   and a lot of people who are living in those units already are doing so because they moved to the area recently for a job,   and/or could not find anything else close in.   

To me that makes sense in a competitive environment, that someone as inexperienced as myself would have a tough time finding a cash flowing gem.I like the point you made about how you make sure negative cash flow is less or equal too what I would pay in rent.