I am speaking from direct experience, other programs show such a vast different view on how storms come across.

They can get you pointed in the right direction as far as business licensing, insurance, drug testing, rules and regulations, etc.

You need to be creative and/or willing to do a lot of work.

How can I use creative finance from the seller so that I do not have to put down a large amount and through a bank. 

The right advisor can help align your investments with your long-term goals and ensure all parts of your financial life work together.Since you’re in Canada, I’m not able to help directly, but I recommend starting with BiggerPockets’ search tool to find a real estate-competent advisor who may be able to serve you: BiggerPockets Advisor FinderIt’s great that you’re starting here on the BP forums, as this community tends to have good insights and referrals.

Any tips or pointing me in the right direction will be greatly appreciated.

Basically I think what you are asking here would be easily provided by a better software solution chose by the PM, and I would question now other business decisions made by the PM.If you are looking for more than just what you indicated here I would eitherr direct you to self manage or hire a limited service PM. 

Did someone from a Charter reach out to you, or did you contact Oxford House directly?

We've created a concept called the Three Pillars of Real Estate® --> Market Cycle Debt & Exit Strategy.Once you learn how to use all there in conjunction, your risk decreases, and you start to build a real estate business.DM me and I will send you a copy of our book Creative Cash, which dives into the topic in detail.Gino

Rates currently have been heading in the wrong direction over the last month.