Bank Santander offered me a .625% discount on my mortgage because I’m making below the 50% median household income in the county.

Up until a couple of years ago at my previous city of employment, the answer for eviction there was "if they pay rent, have a verbal agreement to pay-even if they haven't paid yet, or contribute to the household financially" (think roommates, subleasing, renting rooms in your house, and the friend "can I stay on your couch for a week for $20") that was all said to fall under a landlord/tenant rule and so we always told people they needed to file an eviction if they wouldn't leave.

RBC, Scotia (who just tighten things last month), and BMO still appear to be in the market for investment mortgages.That said, if the bank has capped you at 100K mortgage - which won't buy a pretzel stand in TO - you need to check your debt to income {some banks will use DTI calculations similar to the US, others may also look at the "total household after-tax income to household debt" ratio}.Making accelerated payments on your own home is an excellent strategy as that debt is not earning you any money.

So I just received word that San Bernardino County is opening STR for immediate household only as of today.

@Ravi SinghHere are a few graphics that may help in your search.The first one shows the change in population since 2010, aggregated by each neighborhood in ClevelandThe next once shows the change in rents since 2010This last one is the change in household incomes since 2010Each one of these metrics is important for buy and hold investors to understand.

I recommend looking into middle class properties right below the median household price.

I myself hadn't worked a legal job for three years, I just couldn't make enough to support a household that way.

While there are many times where multi-tasking isn't the best, listening to a podcast or audiobook while driving, during household chores, or yard work is worthwhile to me.  

This strategy works spectacularly well with house hacking, and can bring cash-on-cash returns through the roof but household income must be under the program limits (up to $145,000) to be eligible.

Insurance - ValuePenguin, Metro Property Taxes - LendingTreeEconomic health - A good indicator of economic health is a rising median household income.