My credit score is 815, the only debt I have is my home but my debt to income ratio is high and per my lender I will need to put at least 35% down on a property to qualify (lender is suggesting 7 year arm.) 

Make sure it explicitly explains the process for termination if you are unhappy with their services, but especially if they violate the terms of your agreement.3.

Would you hire a full time armed security team if your tenant was convinced that your neighbor was a convicted criminal and his kids were scared of him?

Civic offers interest only ARMS that helps as rates increase but does not pay the principal during the fixed period.

Taxes+Insurance+HOA is 577 per month.We recently bought a new single family home with 20% down and mortgage 7/1 arm @ 4.625%.We are trying to determine if it make more sense to rent the townhome versus sell it and apply the principal to the principal of single family home mortgage.The expected rent is 2500 per month.Rental management expense : 1 month rent for tenant placement and 8% rent monthly fee.Can someone help me do the math?

There are lots of places outside of Toronto where you can invest in Canada that won't cost you an arm and a leg. 

Their remodeling arm put in an estimate to the insurance company for the remodeling work.

I'm looking at a commercial loan at a rate of 5.25% (5 year ARM), amortized over 25 years, and a floating HELOC rate of Prime - 1% (so still 3.75% at the moment).

Make sure it explicitly explains the process for termination if you are unhappy with their services, but especially if they violate the terms of your agreement.3.

The DSCR thresholds can knock your LTV down as well.  5+ opens loan options for 5/10yr Treasury backed notes, 5/10yr SWAPs backed notes with balloons, vanilla 30yr fixed, ARMs, Interest Only, etc... there are a variety of loan options out there.Then you have unicorns lenders... those that will do no DSCR requirements if your property meets the right conditions.