Quote from @Chris Seveney: For those experienced in private lending: This question was posed to me in my membership group from an investor:What strategies have been most effective for scaling your loan volume to $5M+ per month?

@Anthony Finelli check your mortgage paperwork for the Truth-In-Lending form to find your APR.APR is your effective interest rate including interest, MIP and closing costs.If you can refinance the rental at a cheaper rate than the APR, then you should!

.- The holder of a work permit does effectively become a tax resident as far as the CRA (Canadian Revenue Agency) is concerned at which point they will qualify for certain things such as purchase a house without being considered as the foreign buyer; hence, foreign ban hammer not weighing on them.

You've only owned it six months, so you probably haven't dealt with vacancies, maintenance, or capex, but you should be setting money aside for those things.Your partnership agreement (if you have one) should address exit options.

They use a credit system where they give free skip tracing for 250 numbers+250 emails+250 email sends (which is nothing) then you are paying .08c for 1 number or email or address.

I guess the seller would like to address that in the agreement.  

Follow the step for the deposit-even if it is to send a registered letter to their last known address stating that the deposit was used for outstanding rent and whatever damages or cleaning was needed (itemize it). 

Should I make an offer with the qualification that all furnishings, dishes, pots, and pans stay, except for "personal" effects?

Raleigh is in a flywheel effect. 

You do not need to give out the address or contacts.