That industry is a printing press for money and I finally got tired of making others rich... really really rich.

I first look into real estate investing was when I was 19 reading Rich Dad Poor Dad.

Some on our business partners also operate traditional row crop farmland. 

Originally, this was simply just to get out of the rental scene and gain some consistency, while also allowing myself to grow and build a life of my own without making someone else rich. 

Furnaces break, water heaters, roofs, etc.As your question, as noted, every traditional lender will want to see stable income coming in to support the recurring mortgage/HELOC payments.  

Renting an SFH by the room can produce crazy good returns compared to traditional SFH rentals!

I've read 2 of rich dad poor dad's books, Ken Mcelroy's book, a couple of Brandon Turner's book's and about 50 podcast episodes on investing in Canadian Real Estate.

@Owen Hawbaker any traditional bank or mortgage company is unlikely to give you a 100% loan on your first rental property.

I've been churning through the Bigger Pockets book lists (Rich dad/poor dad, BRRR, Short-term rental, Long term wealth and Investing in Real estate with no money down) and podcasts, so, I felt it was time for my first post!

It wouldn't help you a ton to refinance into a traditional conventional loan, as you would reset your owner occupied clock, and would need to stay in the property another year (give or take) before you could secure a new owner occupied loan.