@Ike Okwerekwu Recommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

You may need to pay points if you put less than 20% down, but lots of no point options once you get to 20% down as long as you have decent credit scores. 

And when you said the management company takes a 550 credit score , all I see in your future are evictions .   

One of the key challenges I’m facing is understanding the financing options available to someone without Canadian residency or a local credit history.From my research, it seems that a 35% down payment is often required, with interest rates around 7.5-8.5% for non-residents.

@Stacey OlsonRecommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

WE dont pay a fee for the credit line as I mentioned just 1/2 point for each new loan..

And I've got no qualm with someone saying they aren't doing BRRR anymore but the bolder "brrr is not effective today" is in my view not very accurate. 

Or are you actually talking to a bank about buying the note so you can see the notes and credit on the owner of the property?

To avoid scammers and fraudulent paystubs, I contact the applicants place of employment directly to verify that the paystubs are accurate, the company is legitimate, and the duration of the applicants employment.Why do you need TWO YTD paystubs?

You are still going to get the best rate possible with your significant down payment and with good credit I'm assuming.