@Alex Ng- if you want to use the 97% conventional loan  for your  1st home - it needs to be fopr a primary  residence ....2) you can also  use a FHA loan for a primary residence  purchase   3)  if you own a rental  property  before you buy a primary  residence - there  is likely still a 97% ltv  propgram you can use for a  primary  home without needing to be a first time buyer  ( but  your household income needs to  be under the county median income )  ......on  cash out refinance loan - you are limited to  a loan to value   of  75%  

@Kim Ng there is Real Property Investments in Markham at Bayview Golf club which may be closest to you.

Hey Rich Ng .

@Jerryll Noorden do you rest your HUGE head for that ego on your stacks of hundreds while you type this or do you have lats the size of The Rock!? 

To add to what @Rich Ng stated, and mind you I am in Massachusetts as well...MA security deposit rules are full of specifics, the best decision I made was to create a business account with my bank, I use Santander, and with that account, I hold each of my tenants security deposits in separate interest bearing accounts.The master account that I have allows sub-accounts to be set up under the tenants names, with their social security numbers. 

NG.

What type of project @Albert Ng ?

Your risk is relatively low because it’s backed by the property, your workload is low, and you don’t have to be accredited for these short-term investments.Joint Venture PartnershipsIf single-family homes spell B-O-R-I-N-G to you, multifamily or commercial real estate might pique your interest.

C h r i s @ r i s i n g t i d e b u y s . c o m

You will typically get a rent roll an so T12 P&L at the very least.