Also I was able to rent my spare bedrooms before my mortgage was ever due so I have never actually paid the mortgage out of pocket. 

I would definitely be open to learning more about your market and why you think it's superior to those that I mentioned if you could spare a few minutes some time?

Put renters in every unit, and if you're adventurous and want to be wealthy in record time, rent out any spare bedrooms in your personal unit too.

If you’re cool with living in an RV you can probably be cool with renting out a spare bedroom.

At least part of it seems to be fuelled by people fleeing more populous, richer provinces, like Ontario, for an area that has been relatively spared by COVID.

What if you found someone with some spare land attached to their building they they aren’t using.

I only have about $40k to spare and looking at the recent market prices, it is pretty discouraging.

Yeah, we fully intended to live in the property when we purchased it, but weighing our options now, given there have been a number of changes in the last six months, I'll spare you the details ha.

It was really disheartening to come to this conclusion as I was starting a family and spare time wasn't a luxury for me. 

Take the $48K from the refinance, invest in the multi-family you want to house hack.Since I have to pay back my $25k loan (took out a loan for rehabbing). 48-25-20 (payment for the house) = $3,000 left to spare.