It is hard to edit bank statements where the name, address, font, and spacing line up correctly for multiple months; usually, they are slightly off. 

If I see a CPA, I wonder if he will follow his own advice and how I will know if he is correct when other CPAs disagree.

Asking in the correct forum will get a better response.Need a spreadsheet or form?

I just wanted to get some extra details to make sure I'm relaying the information correctly.

@Jonathan Klemm thanks for the mention@Ali Farhat Jonathan is correct that you may still have some opportunity depending on the Zoning designation for the lot, and how many existing units are Legally Recognized by the City.You can Check the Zoning Designation here on the Chicago Zoning MapFrom there, you need to check the requirements for your lot based on the Chicago Zoning Ordinance (Note: RS-3 does not mean 3 Units.

Calgary market did not experience the crazy increase in price like Ontario, so the correction has been modest. 

In my experience, economic vacancy is typically more than 8%.Your NOI calculation is not correct.

I'm going to give my answer assuming the underwriting is correct and you've got quotes for your insurance and a few bids (and picked the highest number) for your renovations. 

I fell in love with the Lowcountry way of life, including good food, beautiful trees with Spanish moss, and stunning golden sunsets.

Each option depends on your timeline, but a HELOC or cash-out refinance will likely offer the best long-term value, and it looks like you already qualify as REPS, which can save you 1000s in taxes if you plan your investment correctly.