Specifically here, I've considered a few of the things that you both brought up, but the word "average" has a very specific meaning...

Focus on properties that align with your criteria—whether it's cash flow, equity potential, or location—and stay consistent, even when setbacks occur.

Here are a few alternatives to consider for your next property:One option is debt-service coverage ratio (DSCR) loans, which are specifically geared towards real estate investors.

But you do have to put some language in your lease  agreement or lease addendum that deals specifically with issues that will come up for the fireplace.  

If you have specific questions about property management, I'll be happy to help!

Quote from @Chris Seveney: @Francisco AvancenaThere are specific lenders who will do land dealsBut of course not as many as traditional real estate.The key will be skin in the game - typically for land because it is less liquid than a home the lender will want to have a lower ltv on the deal I fund land flippers currently in  CO FLA WA ID MT NV AZ OR TX SC GA VA  one thing about land though LTV is lower and RATES are NOT the same as typical HML rates are higher for raw land but its a specialty niche and a business that I grew up in..

my question is specific towards obtaining a mortgage in BC Canada. 

The restrictions, requirements and timelines on these are very specific and one mistake can be very costly. 

I am trying to invest out of state, specifically in Kansas.

There are very specific things you can and can't (shouldn't) do as either.