This is especially true of small mom & pop businesses in high end areas.  

After meeting with a number (like 8) different contractors the quotes i got back made the deal, not a deal (i think). 

Then we review the submitted file items and come back with questions or ask for additional documents it is a normal process.

I don't know what the 'appraised' value would end up being.

Look for multis with separate entrances in different areas like one door in front for one unit and a door on the side or back for another.

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.

Why not run it back?

The faq page is empty.I did get a call back after a few hours.

I would never move back to Canada.

Would love to hear if you ended up giving them a shot.