One of the markets we invest into in BC's interior currently (Kelowna BC) has less the 1% vacancy rate, the city is going to be opening up the rules for adding a carriage house (or lane-way house) thus giving us a great opportunity to add another rental unit onto an existing property.The banks however will be happy to lend once the project is done but leaves us with a short term cash challenge to get the approx 200k to get the project up and complete. 

Regarding tax-advantaged accounts, you're right--there's always a tipping point where conventional rules no longer apply. 

The conventional financing guidelines were designed with the primary end user in mind for the most part with slight accommodation for investment or non owner occupied use (75% of gross income and other simplistic rules).Good post Ruddy!

And much more...I am new to the forums, so if I broke any of the rules, I am sorry in advance.

The position is 50% tech, 50% administrative and pays half as much as the tech firm did, but it has good benefits and my commute is a 10 minute walk.

You just have to be firm on the issues and with any rules fairly enforce.  

The rule is actually that you have 180 days or until the date of your next tax filing.  

Mortgage is ~$500/mo, collecting rent of $600/mo...not much wiggle room with the 50% rule there.

Most are GURUs GURUs GURUs - you may not know but the local club that host the GURU, usually gets 50% of the sales after expenses are paid.

This feature does allow you personally to borrow up to 50% of the plan value or $50K (whichever is less) from the plan for up to 5 years.