And, even then, hitting your rate target would still be extremely challenging unless you were paying points up front, in which case it would probably make more sense to just try to put in a bigger down payment (or pay down the balance if refi) instead and get better terms naturally offered at the lower LTV.

Keeping the Vancouver property could provide strong rental income, long-term appreciation, and diversification, but it also comes with tax implications, foreign ownership rules, and management challenges.

Challenges?

I own two properties there, but insurance costs have skyrocketed.Lately, securing home insurance has become increasingly challenging due to the high risk of hurricanes, flooding, and other factors.

The last one that I would throw out is inspection, disclosures, and title challenges.

Challenges?

If you are raising money in a syndication raising less than $1M can be challenging due to the setup and ongoing costs to manage and run it.

Challenges?

I'm going to be 50 so patience is a challenge, but I will work on that! 

Challenges?