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.

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? 

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

(because they're bona fide by being tied to the reviewers BP account).

My motto, "Honesty, Integrity, and Accountability," has always been my guiding principle—not just in business, but in my personal life as well.

do you have IG account for your business?

Just remember anyone who has acted as your employee, attorney, accountant, investment banker or broker, or real estate agent or broker within the 2-year period ending on the date of the transfer of the first of the relinquished properties is considered your agent and is disqualified from being your QI.So definitely ask them for recommendations but they cannot act as your QI on the exchange. 

We all know houses historically go up in value over the long term.

To succeed, focus on properties in high-demand neighborhoods like Pecan Grove or Aliana, and ensure your cash flow analysis accounts for high property taxes, potential HOA restrictions, and flood insurance costs.