Certainly nothing in what you shared would leave me to believe an arbitrary 10%-20% reduction would be needed to trigger the penalty.  

I constantly hear people online (Social media) talking about getting an FHA loan and house hacking a 1-4 Unit property.

Calgary is going through a bit of a boom right now with house prices 10% higher than they were last year, everyones trying to flock from Toronto or Vancouver and find value there.

Nick,Why can't you buy the house as a "rental" and then when you are not able to rent it out easily and then you can move into the main house and rent out the ADU. 

Hi, I got around 19k seller's credit for a house of 775k.

My vision is to invest in coliving and section 8 housing.

In the meantime, they will apply for credit, apartments, and utilities through someone else's name.In regards to garnishing wages, unless the tenant works in a higher-paying field or for a certain company that pays more than other similar companies (doubtful), the ex-tenant is just going to leave their job and get another one, and you need to restart the process (after you find out where they are now working).

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I noticed a stench of marijuana smoke on a shared back porch, and that they leave their property looking less ideal from the outside that will impact the outlook on my property with potential tenants.

What are some of the regulations that make this not very appealing to small landlords for single family housing?