Can someone please help me to understand how mortgages are calculated nowadays in Canada?

Note that most attorneys nowadays end up specializing beyond just a "real estate" attorney.

If you want it to stand out or compete with the best on the market, use the nicer stuff.Stainless steel appliances cost the same as white and black nowadays.

@rudy d’escalarre I have a  file this month that is rent to purchase, they are kind of rare nowadays.

With that said, perhaps there are some BPers out there who have other ideas for what you are trying to achieve with a different type of loan product.Hancock-Whitney (or whatever they are calling themselves nowadays) will do an 80-90% LTV HELOC. 

General Contractors typically (not always) have started as carpenters and have gained experiences and skills (on the job or in trade schools) on how to erect homes and buildings.

Your metrics may be different.You'll open yourself up to a lot more leads if you do this because most investors are still targeting high equity, not realizing that equity really isn't that important nowadays.

Nowadays, I try and get a referral from somebody and I am trying this currently, which is 'kinda' working out (at least better than craigslist!).

you don't think a robot can make fries and hamburgers nowadays?

It can be very expensive with the cost of an appraisal nowadays.