it also means their interest rates change with the Bank of Canada rate. 

My agent is currently finding best rates with Travelers.   

There are plenty out there with fair rates and lower fees.

Otherwise, you won't have the extra funds necessary to cover the rising costs of goods and services in the future.What causes rents (and prices) to increase?

As @Jonathan Greene mentioned this is kind of a dated strategy in the new price/interest rate environment.

However, value add with a sale is not as implacted by rates.  

The amount of equity I call pull is less than the cash I have but not significantly less.When doing this analysis it struck me that it may not be worth using a HELOC for the simple fact that the interest rate is ~9%* while the funds in my high yield account are only yielding ~5%*.

With a fideicomiso, the gross income is taxed through a withholding tax whereas, with the corporation, the rate, you can deduct expenses but the taxation rate is higher.

If you are trying to compare fee's or rates this forum is great for helping with that type of question. 

Is this expected since interest rates are high and listing prices are subsequently dropping?