[I think someone else provided an example of this case earlier]-Now provided you do qualify for purchasing a house (4 units or less), you will have no problem qualifying for a mortgage with a Schedule 1 bank as long as you provide the down payment (35% minimum of purchase price) and confirm proof of fund and the source of it- On the proof and source of funds, the banks would want to see an income enough to cover the mortgage payment and other expenses. and in some cases, they would want to make sure they know how you're going to cover your expenses (housing, heating, etc..) where you live.This is usually where it gets annoying for some folks but if you can satisfy this, you should be able to qualify for a mortgage just likely any Canadian tax resident, albeit you will pay a little more in terms of interest rate, etc.

Besides, she's Section 8 and I'm sure her schedule is wide open.

Richmond is a growing market with strong tenant demand from young professionals, families, and college students, depending on the neighborhood.

Another tip: I think if your schedule and time allows it, go and stay at the property for a night or two.

There are a ton of duplexes in and around College Avenue. 

Start by scheduling a walk-through to assess the property and confirm renovation needs.

It is a better place to invest because of the college and local industry.

Happy to connect and educate some more whenever your schedule permits!

My partner works full-time but has a less stressful and more flexible schedule.

If you plan to resell, I think it's wise to discuss with seller in advance and that way the lien on the property can be transferred to second buyer, but you can continue to make payments at the former schedule etc.