Indeed as Stevo mentioned, there are no Canadian versions but it still works, the only difference is the mortgage interest rate is compounded monthly in the USA vs semi-annually in Canada but that doesn't make a huge difference in payments.

But then I am still stuck with the monthly payment of $180 a month. 

Bank pushed us to 40% down payment so also executed a $85K seller carry-back loan to cross the finish line.

Use the 20K as a down payment on the next house hack and don't touch your current properties equity.

Texas tends to favor landlords in these cases, but follow the legal process exactly—any misstep could delay things.As for protecting against retaliation or property damage, installing security cameras (if you haven’t already) to monitor common areas might be worth it.

You set your own payment terms with YOUR client and then find funding for them.The Capital Syndicate is a private lender firm that offers financing through their own company, but they also provide you with a list of about 150 other private lenders. 

is that a combination of larger down payments + paydown over the past few years? 

I’ve had to widen my search radius to smaller suburbs or target properties needing light cosmetic work to make the numbers work.Value-add opportunities: Adding amenities tenants love, like finished basements or upgraded kitchens, seems to justify rent premiums in this market.Navigating the competition:Be creative with financing: Seller financing or partnering with other investors has been helpful to secure deals when conventional offers didn’t cut it.Work with local agents and wholesalers: They often have their finger on the pulse of off-market opportunities, which is critical in a hot market.For those new to suburban Chicago investing, I’d say the key is finding the “sweet spot” neighborhoods—ones on the rise but not yet maxed out in price.

It seems like offering this as a separate package once you secured the booking is a good idea. 

Quote from @Brad Roche: The other thing that is great for the FHA 203K loan (not sure about the Homestyle loan) is that you can kick the payments out to 6 months of ownership (so close today and make your first payment July 12th 2025) if you are fixing up the home.