If you're looking to scale it could be worth while to sell and re-distribute that equity with the help of some save leverage. 

I saw one linked in this article but it seems to have been removed:https://www.biggerpockets.com/blog/best-markets-for-house-ha...Does anyone have it saved by any chance?

As more people placed more properties in STR inventory, and as more municipalities taxed and regulated the industry, the profitability of the overall industry has reverted to a much more aligned (lower) risk adjusted return.  

.$275000 with 25% down, taxes $4080, insurance is 3000 yr and rents is $3800 month, Water $400 mth. 

In all I end up saving maybe 20-40% on the job depending on how much I pay myself in labor.

For example, my appliance store gives me a 10% discount, so I charge a 5% markup to my owners to make a little money and the owner still saves 5% from retail. 

Quote from @MIchael McCUe: Money isn't easy to save and $10,000( my debts) is a ton of money I want to save for a downpayment, I'm just starting so I don't have any money I would like to save $60,000 to buy a rental property, I think I could do it in  5-6 years, my brother filed bankruptcy and they relieved him of $6000 in debt from cash money.a list of my debtGst Hst Tax 4500 income tax from working with my dad I oweScotiabank credit card 1400Canadian Tire credit card 500cash money loan 2400Belair 600echelon 600should I pay the 10k back in the next while or should I file bankruptcy like my brother as It won't be for years until I am able to get a downpayment for a rental house anyway.Here are the negative consequences, in regard to real estate, of filing bankruptcy1.

I have been trying to save up money but it is not near a down payment for a traditional loan.

Doing it in December will not save you any taxes anyway.

Any business could do this with their services and the savings would certainly justify the additional effort.But if you take advantage of the new law, wouldn't the renter do the same?