I've leased on Christmas eve/day and new year's eve/day on multiple occasions over the last 5 years. 

Getting the license makes a lot of sense now.I will tell you that there has been a number of occasions where disclosures were not given to me, especially the Agency Disclosures.In fact, one Broker was representing both the Seller and myself just recently and I never received the Dual Agency Disclosure.Another problem I see is in the case of a building that I bought over 6 years ago which is past the Statue of Limitation for Real Estate lawsuits, the legal use of the property was mis-represented by ALL parties, including the Agent, the Broker, the Appraiser and the Attorneys.

I am not an accredited investor and have on a couple of occasions seen attractive deals I couldn't get into because the investors are only accepting accredited investors.

@Michael Blank also has a great book out!

Hey BP,I just finished reading Financial Freedom with Real Estate investing by @Michael Blank and looking to pick up another book multi family/apartment related.

@Charles Kao It can be a blessing to have the "right" lawyer around, especially when you need them (or so I've been told on many occasions).

Then there's the occasion when you run across that individual who is determined to manipulate the system so they can cause you as much grief and cost you as much money as possible.

He should be able to explain why his credit report is blank (maybe he pays cash?).

I recommend you leave them your contact information and continue to follow up on occasion.

The calculator that I use most often is...http://bretwhissel.net/amortization/I like how you can leave any one part blank and calculate for it.I hope this helps, as I know nothing about Canadian mortgages.