I just bought two new construction houses where builders were offering 5.25 % interest rate for investors.

What is the interest rate on the mortgage? 

This is a self directed RRSP or TFSA account that allows you to lend your money out to people with the backing of their mortgage for a high interest rate. 1st, 2nd, 3rd mortgages, down payments, refinances, flipping or renovation money.

From my understanding, no one is employed, they are somehow current with the rent, but they are definitely not someone I would offer a new lease...not even at market rate.  

Yes. we finally have an APP that lets us provide a rating for the renters.

Promises near 30% ROIs in RADD and above market rates for REIT?

The interest rate on a HELOC or Heloan may be better than the personal loan. 

Hello All, I have a client asking if they could buy a portfolio of 5 properties (at a "packaged deal" rate) and sell off two of them to recoup some of the initial down money needed to buy them. 

Quote from @Ryan Mcpherson: Moved to Austin for work and purchased a home in 2021 with just under 4% interest rate.

@Tom Rairdon If you’ve owned your short-term rental (STR) for over a year, it likely qualifies for long-term capital gains (LTCG) treatment, taxed at lower rates (0%-20%) compared to your 33% ordinary income bracket.