Unless you are a financial train wreck on the path to a mortgage sale or foreclosure, the lender is going to offer a new term.Ironically, despite your perception of Canadian mortgages being a "recipe for disaster", mortgage delinquency here is less than 1% with defaults being less than half of that.

My own opinion (and just that an opinion), the original person may have been referring to common perceptions about "age", i.e. that you have a short time horizon, lower risk tolerance etc.  

Perception is everything and if your tenants perceive that you don't care about them or your home, neither will they. 

Your question is perceptive for what many investors in 2020 face, as being invested in the stock market, while facing the fact that in 2020 the U.S. is in Recession, with this Recession is likely to worsen in 2021, which at some point, will cause a correction in stock prices.

I am decent at reading people, playing's devils advocate, and not using that perception to assume I am right.

Contacting the owner directly on those properties is inappropriate and would leave the perception that you don't know/understand the real estate business.  

The track record, expertise, and reliability of the people involved can indeed outweigh the significance of the company name.While the company name may not be a deal-breaker for you, it's important to acknowledge that in the world of real estate, branding and perception can play a role in attracting potential investors.

Remove emotion, remove opinion, remove perception, remove "ohh but all THOSE people are doing deals with DMM"...

I understand what you say, the risk perception to invest in a developing country like Mexico is higher for investors that know this activity in a higher regulated and organized market like the US.

I think all of this math makes people's eyes glaze over and they fail to actually read everything... missing the entire point of the conversation.Another great perception was that YES, the usage of a NEGATIVE Cash Flow in my example was to compound the fact that NOT ONLY was it a NEGATIVE Cash Flow BUT it was ZERO Appreciation and you can STILL make over 9%!!