I’m in Calgary as well :) thank you @Santhosh, it appears that may be the case.

As it relates to habitation exposures, it appears that there may be a leveling off in premiums, rates, and deductibles here recently, but there's so many different variables that it's really hard to make a blanket prediction for 2025 (or the future). 

You appear young, Tim.

Tenant can't really use this against you - if you do everything better going forward.Go to local landlord-tenant court and write down the attorneys that appear most frequently. 

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.You appear to be in Toronto, so the laws may be a bit different.

As indicated the correlation of LCOL cities having high crime rates and HCOL cities having low crime rates appears to not be strong.Ca large cities have lower violent crime rates than many cities in other states that are a similar size. 

However, it’s crucial to track and document all hours worked meticulously to demonstrate material participation if audited.The CPA’s suggestion that your activity would be treated as passive could stem from the involvement of a property manager, as their role could make it appear that you are not the primary manager of the rental.

You can search this company on the web, but there is ZERO mention of his name in affiliation with the company. 

Don't pay for a coach that has numerous warning web articles from cities.

Quote from @Nathan Gesner: Unkempt lawns, trashy or broken down vehicles, mattresses and trash on empty lots, boarded up houses, bars on windows, dealers and hookers on the corners, the lack of stores or gas stations, occupied properties are dilapidated, etc.Or when Google maps shows stuff like this: If those are drug zombies, as they appear to be, that's an "F" class neighborhood where nobody pays rent and structure burnouts are common.