I understand that I need to account for taxes, insurance, and other costs—Should I go with a LML and then do a refi later on?  

Just remember if you want to purchase another one you will need to refinance at an 80% LTV as you can only have one CMHC insured mortgage. 

E&O insurance, MLS fees, electronic lockbox fees, association dues, contract fees, every software agents use.Many of these fees could be close to doubling by the end of 2026.

This is a passive way of earning with real estate-based security, protection and insurance.

Transparency and professionalism are core to how we operate, and we ensure all properties have clear, insurable titles before closing.

And you know who sells SubTo insurance?

If you can rent it for enough to cover the principal, interest, taxes and insurance and still put money in your pocket, plus cash flow on the property you're purchasing, that would be ideal.

They were a law firm who hunts class action suits to go against companies. 

Does he understand, Deeds, Due On Sale, Insurance, tax implications, servicing, contracts and so on?

Build up your portfolio with a professional landlord and then as your portfolio grows transfer the assets over to a larger PM firm for ongoing accounting and management.