Haven't checked lately but the foreclosure auction market in Vancouver was pretty robust last time I noticed @Drew Mim Mack.

My name is Arielle Gutierrez and right now I'm an IT and Financial Business Analyst/Project Manager for a large alcohol retailer. 

Your market may be robust but, because there is low trading volume in my area and we are now at the higher end of rents within that area, there is no way we would have gotten the appraisal back where we needed.Despite not being able to refinance into a conventional loan, we were however able to take advantage of the FHA streamline program that will cut out PMI almost in half and lock us in at an even more attractive interest rate. 

Some other things I like... 1) they offer a free website that is up ALL the time no just when you have a listing; 2) they have a bit more of a robust maintenance and vendors tracking system whereas Cozy's is more like an afterthought; 3) they offer an esignatures section which is extremely valuable in today's age. 

For the past 2 years, PCB has banned the consumption of alcohol on the beach throughout the month of March.

Currently managing 25 units on Cozy and looking to make a switch to a more robust solution that can help with future growth.

A robust legal structure can protect from liabilities or savvy tax strategies can make interest work for you. 

2) Xero looks very robust on the accounting side of things.

In more robust markets, leveraging is far more dangerous since a long-term vacancy or some kind of casualty loss could really sink you.

The only downside is GV features for land lines aren't as robust as Cells but they can still receive calls.