I have taken many walks by the Falls in the winter and there are very few people around. 

Might be nice for your personal home but I do not think on an investment property is worth it - except for the marketing angle as people like our salt water pools.

However, smaller projects or certain trades might not require a license.

But, to normalize, the 10-year will eventually trade at a 100-150 bps spread to the FFR.

When I quote people for projects, I'll use ChatGPT, I have a module I spent hours on pricing jobs correctly in NY.

I'm not sure if the program is still going on, but has definitely revitalized a lot of the area when it was once destined to follow the way of other older cities that are aging out of existence both in terms of people and property. 

At the sale, some people, who it must be presumed did not look at the property and there were several bidders. 

There are a bunch of reasons people sell a property.

This is a self directed RRSP or TFSA account that allows you to lend your money out to people with the backing of their mortgage for a high interest rate. 1st, 2nd, 3rd mortgages, down payments, refinances, flipping or renovation money.

If you think something is wrong with the way it s done, teach people how to do it right.