I’ll admit the fear of failure and unknown holds me back regardless of goes many articles or reports I read or deals I look at.during this search hundreds and hundreds of ads come through for training/mentorship style groups.

Adding value and seeing how big the empire can get.

Connect with local professionals who know the market will be the most value added in your investing journey.https://www.redfin.com/city/14...

For example, for a 500,000 purchase, the Land Transfer Tax would be approximately 6,475 while if the same house was purchased in the City of Toronto, expect to be charged about 12,950.And as a foreign buyer, a premium would be added: I really don't know the numbers here anymore, consult with a Real Estate lawyer for an estimate here.- Work Permit ?

Is it better to keep adding equity by doing work on the houses while I'm renting them then refinance to recover the initial down-payment to reinvest into another property or to pay down the heloc?

.- Value-Add Investments: Beyond cosmetic upgrades, think about adding amenities like solar panels, EV charging stations, or smart home tech.

Not to mention, you're adding an appreciating asset to your portfolio. 

The lender did everything wrong in this situation and now are paying for it.Now they are trying to sell the loan at a slight discount (oh did I say its a 0% interest loan and they jacked up the UPB of the loan instead of adding interest) - again another rookie mistake. 

Since the repairs were two owners ago, I would think the town may be a little more lenient with you.With the new kitchen and bathroom, were they existing and just got renovated or were they added on?

This could give you the cash you need for the purchase and also eliminate your personal guarantee for the loans.