Talk to accountants before trying this.

I also really like looking at a giant balance in a bank or brokerage account.

https://nationalmortgageprofessional.com/news/study-reveals-....Not sure BP will allow that link to post, if not just google " 10000 saved using a broker vs direct lender" and you can find the article.On the flip side, there are some banks and credit unions that could offer products that they do not allow to be brokered.

Biggerpockets has a ton of free accountability groups which will keep you on track for your first investment and also teach you along the way! 

Holds the contractor accountable.

You could also add cash to your exchange account to reduce the debt replacement if you wanted. 

If she is getting close enough to thinking that there will be an income disparity, she will stop at nothing to compel my husband to provide income documentation.All finances are joint except for the rental, which I keep rents for in a separate checking account and track spending for.

Study the market.

DM me, and I will send you contacts for attorneys, lenders, and accountants they have previously used.

If you sold it for $500K (after expenses) and invested it in a savings account (or some in a RRSP or TFSA-up to your limit), even at 4%, you'd get $20K a year.Also what province is it in?