@Iris Olivas Most local banks/credit unions can do this deal with lower fees and potentially rates than brokers.

212 Loans has consistently adapted and improved over the years.

She didnt, and two weeks after going under contract, we got a credit-monitoring notification that this mortgage had gone delinquent.

Using a smaller bank or credit union is the way to go.Being that you have been in business for 10 years I am VERY surprised your business banker can't help you!

At this point, I would recommend having a line of credit to cover these things so you don't have money sitting in the bank doing nothing when it could be put to work.I have 33 units, no debt except for mortgages, and excellent income.

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.

Do you have cash reserves for capital expenses and improvements? 

Have you experienced any improvements in Inspira's service and response times? 

Their credit is shot and they are getting foreclosure notices.

We also have a huge budget allowance from the city over the next few years to improve public transportation measures within the city.