While I don’t expect it to answer all of my (international) questions it will probably invoke 5 more that I didn’t realise I had.

I have just recently realised that I am in a position to invest in my first property and am looking into getting a residential mortgage and house hacking, with a view to keep working and build a portfolio.

@Matthew McLeanWelcome to BP.As you have no doubt realised, though much of the information available here on BP is universally applicable, it is mostly U.S.A. centric in its details.

I quickly took care of my education in the subject and have gained a lot of knowledge from the BP podcast and books.What I have quickly realised is that Berlin market is currently overpriced and it is very difficult to find properties that will generate any cashflow.

Hi guys,I just realise that Willam Nick... have writen 3 diffrent books.What's the diffrence between them?

Also realise they are serviceable.

The option contract is a "what if" from the lender's perspective and has no tangible value beyond the income you realised from the non-refundable premium.My question remains have you worked through the opportunity cost ob both scenarios: 1) stick with the HELoC (or convert it into a term mortgage) versus 2) a non-arm's length mortgage from your SDRSP at the benchmark rate (or higher if you are going for a >5-year term)? 

Questions: Should I sell (A) and realise the appreciation before a bear hits?

Most experienced investors realise that having cash gives you an "opportunity" to increase your investments by spreading it around.Investors generally value cash at a 10% return or higher.

I have also realised the power of credit and how to control myself and utilise multiple cards.