However, we have a higher end market so it always struck me as strange that we'd only provide such a small amount since it doesn't cost that much more to provide more.

I was here to try to find the same thing and it doesn’t look like it.  

Knowing what to budget for when buying a home may feel intimidating — but it doesn’t have to be.

It's doesn't have to be 20% downpayment for a owner occupied home. 

Apparently the water level in the bowls alone are too low.... and so the poo sticks to the porcelain instead of hitting water, and doesn’t flush away.

In fact, the appraisal may come in lower than it should and the bank will likely give me a loan for only $120,000 which is 60% of what the value should be instead of $150,000 which is 75% of the value.The bank does this because the bank doesn't want me to get all of my money back out of the property.

That doesn’t make this course a poor investment.

Also, there is a need in the marketplace for a co-living PM company that doesn't charge too high of rate. 

I'm going to reiterate what's already been mentioned above, but I'm going to actually give you examples of why it's relevant to you to find a U.S. tax professional.1 - You're going to need to file U.S. taxes once you have property down here, there's federal filings, state filings, and sometimes local filings too2 - Tons of tax treaties between the U.S. and Canada that are easy to miss and can cost you a lot of money (important one with rentals - effectively connected income - if the professional you talk to doesn't know what this is, run away)3 - The amount of days you spend in the U.S. needs to be tracked and if you go over a threshold, all of your worldwide income could be taxable by the U.S.4 - Selling real property means up to 15% of your sales proceeds might not be available to you for years (FIRPTA)5 - Lots of nuance at the state and local levels, which both want to take as much money from you as possibleMain takeaway here is that you should find a U.S. based tax person.

I have seen many investors fail here because they only have 1 or 2 properties and when the downturns happen it kills them,  So you are going to need more money and more properties to balance out the ups and downs.Investing takes time, it doesn't happen overnight, and I think people fail to keep with it when it doesn't happen immediately.