I grew up with a realtor for a mother, but she’s not too well informed on new construction.

here is the situation. i left a really good paying job to take care of my 81 year old parents because my dad is chronically ill and my mom is almost there. i wont go into too much detail, but my sis doesnt help them. ill leave it at that. we have a person who comes twice a week to help with cleaning and other household tasks. i carry the bulk of the weight cooking their meals, running errands, grocery shopping, picking up meds, and taking them to dr appointments. its a full time job. i get a small salary of $1000 a month from a care giver sub contractor for the VA. ive been paying my bills with what savings ive had, but only have a few months of funds left. i own a duplex. i have over 200k in equity. i live in texas and texas has weird laws about refi and heloc/heloans when the property is 4 units or less and owner occupied. i would rather not sell, but if thats my only option i will have to at some point.does anyone have any advice or possibly be able to point me to lenders who might be able to work with my situation?

I'm a local investor in Saskatoon and would be happy to connect and give you a local lense on this market or even feedback on properties you are eyeing up.

I can check it out and give you some feedback on how to bring occupancy rate or ADR up or if the move would be to go a different direction based on the data. 

@Jay Hurst how hard, or common, is it to get simultaneous loans on the two properties closed together?

I have heard Texas and most areas would be closer to $100 when its all said and done.You can find good contractors through realtors, HBA in your area, REI Facebook groups and meetups etc.Make sure to check references of past and current clients, visit some jobs in process as you can tell a lot about a contractor by how the job site is kept up and organized.

Phone call with email follow up or email so there's a paper trail.

I have been considering joining AAGLA and know they have lease forms and other forms, but it is $199/yr.In the next couple months, I am looking to get a standard CA NAA lease written up with RUBS for water and sewer billing and a requirement for the tenants to carry their own renters insurance policies with $100K or so (if there are recommendations around this please let me know) liability limits.Does the community here have any advice on how best to do this and where I could get a lease form that does the trick?

Better than alternatives like lending at 7%, after tax, and close to the stock market. 

Excited to see where you take it—feel free to reach out if anything comes up.