When you move here you should get in contact with @Tim Swierczek and he can help you get to a point where you can get financed.I am generally familiar with Rogers and think may have some difficulty finding a multi-family in that area. 

I dont have my RE license and with today's technology you can find out what many agents have.

There are many property owners in Toronto who are staring financial difficulty in the face.

If you are able to leverage technology, do a pre-inspection video walk-thru, and a property inspection, you're golden.

How difficult is it refinancing after 5 years?

I am very interested in the use of technology to connect the buyers to the sellers.

If I went hard money with a down payment, would I have difficulty refinancing later with multiple properties on one lot?

I myself have had to fight FEMA twice and know the difficulty and frustration of the Flood insurance requirement.Thanks.Rich Tirado

I took my classes at a college and had difficulty passing the state exam. 

I think where this can get difficult is how do you know if you are going to hold it for 25 years or 75 years?