Yes, you will have to make up the difference if it doesn't appraise, unless you're able to find a bank that will refinance at a higher LTV (90%) which might be extremely difficult to find. 

It’s still in the beginning stages but the experience and knowledge I’m gaining as a business owner is extremely gratifying. 8) Overall built a sense of confidence when discussing anything around finance, my faith, marriage.

I want to complete the BRRRR strategy however prices in BC are FAR too extreme.

This can be intimidating at first, but also extremely rewarding.

BP advises people to do FHA all the time but they forget to mention the huge mortgage insurance you have to pay in more expensive coastal markets and how it's extremely difficult to get these offers accepted.

I have been reading  and listening to some more podcasts and the theme of the current environment seems to be: 1) tightest market in decades, 2) extremely low likelihood of finding good deal on MLS and 3) must find off-market deals.My question to the community, especially any sellers, what is the benefit of selling off-market?

In either case, I find this behavior amongst agents extremely misleading and bordering on a breach of fiduciary relationship with their clients because it takes away a potentially higher sale number.

This is extremely helpful.

I am extremely eager to start building equity and constructing a real estate portfolio, however home prices, in California especially, are at an all-time high.

Extremely helpful!