We are looking to make this post to start getting in contact with likeminded people in the areas of Calgary or Edmonton.To provide a little background, we purchased a half duplex 3 years ago in our hometown (Northern Ontario) at the age of 21.

But $278 a year seems a lot.

Consumer prices rose 0.5% for the month, surpassing the 0.3% forecast, while year-over-year inflation increased to 3.0%, up from 2.9% in December.

@Tony Schmucker Now that you know all of those markets work from a Macro perspective you should look to see where you want to live for 2-3 years and what your and your wife's income will be in those markets.

If it’s longevity I got he 5 year extension for 10% of price many places offer.

If you’ve refinanced in the past 12 months, sharing your rate/terms (e.g., 10-year fixed at 3.5%) would be incredibly helpful!

Finally got done building personal credit enough to seek pre-approval (as I have only just turned 21 years old).

At one large single family house with 4  bedrooms the yearly oil was $5,900, as the boiler produced domestic hot water also and ran 24/7/365. 

If the insulation is in decent shape and not covered by combustible insulation, and not terribly overloaded, it might last many more years.

That’s your home mortgage interest as well as property tax and insurance for 2nd half of the year.