https://www.msn.com/en-us/finance/realestate/cfpb-moves-to-eliminate-mortgage-debt-to-income-rule-for-borrowers/ar-BBZc1Wx?

Hi Ken - outside of having a book keeper or CPA, Avalara is a cost-effective option - https://www.avalara.com/mylodgetax/en/index.html

Rob:In our experience, the best bang-for-your-buck is en suite laundry where possible.  

View report*This link comes directly from our calculators, based on information input by the member who posted.https://realtylink.org/en/fourplex~for-sale~vla-prince-george/262437466

I wonder if that will even pass APOR -> https://www.consumerfinance.gov/ask-cfpb/what-is-a-higher-priced-mortgage-loan-en-1797/

I remember when I got mine a few years back and very soon after was very fortunate to be able to secure my first home :)I, personally, would pick between options 1 and 3.Option 1:Pros: You'll have a bigger space that you can eventually redeem for yourself if you ever need it, and allows you to ease into investing by house hacking.It might be easier to get financing for another place in the future if you already have a lease in place for the current location and can show that rental income already coming inCons: Only the portion that you live in could be looked at by CRA as a primary residence and if you do sell at some point, you'd be liable for the capital gains tax on the part that was being rented out (https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/personal-income/line-127-capital-gains/principal-residence-other-real-estate/changes-use/changing-part-your-principal-residence-a-rental-business-property.html)Option 3:Pros:Allows you to have your own space, and understand the nuances of condo living prior to getting a second condominium propertyAllows you to experience some condo living as well as be able to save up waiting for the pre-construction property to closeCons:HST on the pre-construction property (Unless you decide to move into it when it's done)

“These factors will likely result in a surge in defaults, with a default rate on nonfinancial corporates in the U.S that may rise above 10% and into the high single digits in Europe over the next 12 months.”https://www.spglobal.com/ratings/en/research/articles/200317-economic-research-covid-19-macroeconomic-update-the-global-recession-is-here-and-now-11392265

They are saying that they'd be breaking this rule --> https://www.consumerfinance.gov/ask-cfpb/what-is-a-higher-priced-mortgage-loan-en-1797/

They have a pretty good tutorial. https://support.buildium.com/hc/en-us/categories/200329247-Buildium-Basics

Hi Ivor,Thanks for your message i read some books about real estate investing en try to educate myself i am more looking for buy and hold appartement deals you are right there is a short in housing market in the randstad specific and ask are growing although i went to visit a couple appartement in amstelveen the real estate agent told me that they are less vistors with the corona i think the interest rate wil go up but not heavily because everyone is used at the low interest rate if you move this up heavily people can not manage this.i read the book what every real estate investor needs to know about cashflow real recommendation i created a tool in excel to calculate my purchase price simalir  to the bp calculator but in less dept but on funda and other website i cant find any deal that fits my profile.very nice to meet you maybe i can give you my number and you can call me meeting would be difficult at this time :p