We'll lose money for 75-90 days but the new rent is market so some will stay and not forcing people that can't afford it to move in the middle of a very cold winter I think buys a tiny bit of good will and is the decent thing to do.

.$24K in soft costs (permits impact fees etc)$200K (or less) buildout of the house (size tbd on after-build-appraisal) Likely going with 2/2 A frame 1000 sf.

The only way to make it happen is to sell some property.It will impact my cash flow.

If the numbers don't work with it then don't force it and don't rush it.Always ask for full or partial owner financing the answer will sometimes surprise you.We just bought a property with 5k down and owner financing the rest at zero percent.

The possibility of vacancy would also grearly impact the cash flow as well.

@Shayan SameerThe non-paying tenant could impact your short-term cash flow, so consider the potential costs and timeline of eviction in your state.

Is there anything I can do to force her to turn on the heat?

Sounds like you already have a solid foundation for your plan with BRRRRing, house hacking, and/or forcing appreciation.I moved to Denver about 6 years ago and love it.

Niagara ON for C$370K or US$256K,  only 932sq ft.Why such differences?

For me, I am a little hesitant because I would be in a situation where I would be trying to secure traditional lending (which should be very feasible given credit scores & what $$ amount I am pre-approved up to from my banks), meaning that I assume I would be forced into using my first-time homebuyer loan incentives.