Tomorrow this offer may not be on the table, and taxes won't matter anymore!

If your deal is worth less than what you paid for it, then yes, you may well have to bring a lot of cash to the table to refi.

This will result in the CRA collecting <=10% taxes on repatriation of retained earnings.Here is an overview on repatriation of investment income to Canada (from the U.S.A. in the example tables).

For Example, my Note Investing notebook has Sub Categories for Consolidated Note Resources, Goals, Note Buying Criteria, Foreclosure Timelines and Costs, State Specific Notes, Systems for The Note Business, Collection Time Tables, Note Conferences, Bankruptcy in Notes.. 

I've been the guy on the other side of the table "looking silly" so learn this lesson from me if you haven't already.

And it's done to intimidate; but I turned the tables, and it's clear he isn't accustomed to that, nor does he like it when it's done to him. 

For example, you can upload a table of say loan data, ask it to rearrange the data with only pertinent columns and rows, map out the addresses, apply formulas (ie.

Zoning, subcontractors, mother nature, P/I during construction and rent up, your loan doesn't get "fixed" until after construction, material inflation, etc, etc, etc.You have taken most of the risk off the table with family financing and family construction. 

You can bring cash to the table to facilitate the refi by using savings, loan against 401k, and/or getting another loan against some other asset. 

The upstairs loft is underutilized..its just another living room, you need to do something very different there (adult games, poker, pool table, bar etc perhaps?)