However, I am worried that office buildings will convert to residential units afters the pandemic ends and companies realise they need way less space that before than before to operate.

If those instruments have not been provided to you, then it would not be a stretch that other instruments have also not been realised or shared with you as well.

After months ... well, maybe a year, of lurking, I've submitted my "introduction" post and made a few other small contributions to some of the fora.Now I've sat down to raise the questions responsible for my being here in the first place and I'm not exactly certain how to start ... so, rather than try to write eloquently, like any engineer, I'll resort to a bullet list of the facts ;-)1) As alluded in my introductory post (http://www.biggerpockets.com/forums/55/topics/88317-new-sort-of-in-canada ) I realise we have arrived at the point where, if we are to grow our real estate business to meet our objectives in a reasonable time period we need to start using other peoples money (OPM) to purchase properties.2) I've helped raise both private and public funds for startups in my past, so the principal and general process is not foreign to me.3) Despite the above two facts, I am presently seeing the task of approaching people for private financing as a "necessary evil" and am loath to do it.

I am guessing if you point this out they will realise they made a mistake asking for January.Question...Why is December pro rated if you are paying the whole month (beginning Dec 1st.)On the other hand since you are unemployed and seem to be moving on short notice maybe they are simply covering their butts because they do not trust you.

Having significant amount of cash saved up to afford to invest the final push was the realisation that recognising the risks involved I was prepared to face losing it all.

Very few investors actually realise that the "true" cash flow of a property actually decreases when a DP or equity is applied to the numbers.

I think its important to realise that instead of investing the money into paying the property off, you should get another property, as the ROI would be better than earning a 4.75% (or whatever your interest rate on the refi is).

I'm currently devouring information, realising that most people who flunk out of REI do so because they didn't educate themselves and do their due diligence.

Thanks Wayne, I guess I didn't realise they buy them back.

I also, had my NYS RE Sales Associates license for about 8 years, but quickly realised the real money was in investing.