The one thing it had going for it was actually talking to a person but it’s also costly and takes time to hire and train a team, only for many calls to go nowhere.Lately, as an investor I’ve been using an AI that’s been way more effective than I expected.

Even still, it could be said that I've still lost money due to my time on the tools instead of prospecting as a real estate agent (the cost of lost opportunity).If you can truly do 80%-90% of the work yourself (at acceptable quality levels) and you aren't sacrificing your time where you can get better returns for your efforts, then yes, it can work even up here in Canada.

To be brutally honest i don't care if it's at cost, below or above, I only care what it is exactly and how much. 

You can open these accounts for free with various financial institutions. 

Renovations that truly add value-like modern kitchens, open floor plans, and energy-efficient upgrades are making the difference in selling faster and at top dollar.Financing & Interest Rates: The higher cost of borrowing has made tight budgeting more important than ever.

Dwelling (Building coverage)The limit should be based on the Replacement Cost of the building (cost to rebuild withthe same kind and quality excluding the foundation)2.

Feel free to reach out if you want to connect, I have some people I've JV'd with in the Texas triangle.

If you're in Northern MN, there is a very good chance that the cost to build a new duplex exceeds the resale value, which would be an awful idea to build a new one. 

Feel free to PM me @Eric Johnson.

If you want more details, feel free to reach out.