@Agnes Shin I would be careful of this as i know when i was using go high level i forgot to add my opt out into the first message.

If you're willing and able, I do recommend the "house hacking" strategy which is just a fancy name for buying a rental property and living in one of the units, because you'll get very favorable financing - an owner-occupied fixed-rate 30-year mortgage.I'd also say, analyze that property as if you won't live there and it's a pure rental, and make sure the property is still cash flow positive if there's a tenant in your unit because then you'll know if it's actually a good investment.And when you analyze it, include payment of a property manager in your #s because if you don't, and doing so would make it go cash flow negative, then you've just bought yourself a job because you literally can't step away from managing it without losing money.

There are many ways to go about this, but one of the cheapest is to look on Google maps for buildings that look like 4-plexes.

@Robert GonzalezMost any DSCR loan is going to be chalked full of docs where you agree to NOT occupy the property while under the terms of the loan you are signing docs for. 

Here’s why some people struggle and how to fix it:1️⃣ YOU’RE SETTING UNREALISTIC EXPECTATIONSYou’re not going to close every deal.

They are multiple factors that go into the rate though (such as how high is the loan to value, type of property, credit, to name a few). 

The idea of debt-free is that if a person is going to retire and has to completely depend on the income, they don't want a severe recession surprising them and causing them to default on the debt and losing the properties.In a normal world, I would do that as well.

That said, if you're comfortable with Shopify for now and not looking to go big right away, it could work.

It makes senseI know the sentiment in Ontario is not great right now when it comes to housing and combine that with tariffs and change in immigration strategy for Canada, I think it's going to get worse before it gets better.Looking forward to more insights and opinion on this.

Reason I ask is most cases a cash out refinance is going to offer a lower rate and payment.