.- Finally where to buy: in general, ON, BC are expensive while AB, QC follows and other provinces, such NB, NS, PEI are much much more affordable.

Is the divorce final?

To buy in all-cash: - With rents appreciating at 3.4% annually - It is yr 8 when you've finally recouped that invested capital, and now finally started to get profits.

Long story short my credit score increase 5 points after being with them for 6 months, I took 'FREE' advice from another recommended credit repair company and my credit score finally began to increase 

I'd guess half of this final third eventually sold, even if several years later. 

To your final point, though, my guess is that we will see a bloodbath before too much longer with the poorly structured Subto/wrap deals.

@Diana Teng there are a LOT of potential pitfalls:(So, it's vitaly important to not just find someone that you think you can trust because they tell you what you want to hear, but you find someone that their processes seem a good fit for what you want.EXAMPLE: we do BRRR Turnkeys for clients and take numerous vides we share with them - initial, worst state of any demo, when HVAC, plumbing, electrical update BEFORE walled in, before any major payouts and of course a final walk-thru video.One thing that's accurate from all the HGTV renovation/flip shows is that you should expect and plan for surprises!

Finally, the new house was complete, and we could move in.

One can create his or her own Venture Plan / PPM then take it to a good Securities Attorney to have final touches performed by a licensed professional.

I don't need hard money because I have a lot of cash.Purchase: $190kDownpayment: $40kClosing/Realtor: $10kLoan Amount: $150kRenovation: $15kARV: $250kRefinance: $5k Final Loan Amount: $190KCash Back: $40KCash Spent (Down & Renovation): $55KCost to buy (Closing/Realtor): $15K---------------------------------------------------------------------------------------Total Monies Spent: $30KLoan Amount: $190KMortgage: $1.8KRent: $2KThose are rough numbers going through my head.