I don't know what part of the country you are in, but in my region, what you did would have cost more than 275K.   

You will need to look around, probably it will be a local credit union or smaller regional bank.2.

I used a regional bank in Arkansas, where I'm located, and it's just a construction loan.

My initial focus is buy and hold SFRs in the Lakeland FL region.

It looks like Niagara region and Alberta are potential candidates for industry footprint growth, which will lead to jobs, more demand for housing and potentially good business for us, RE investors. :)Does anyone have any article or study to share on this subject.

There's a lot of historical homes in the downtown area that have been converted to businesses, with restaurants, small pubs, etc. accessible from the sidewalks.The big Deschutes River runs through the entire region and has people floating, paddleboarding, etc. in summers.

Sure, the properties will appreciate, but this particular region the appreciation is low, and so I am not considering it as part of my decision process. 

Do you regularly work with investors in the capital region Brian?

Lots of regions in Portugal still have a lot of progression potential.

Just to clarify: My Florida Regional MLS covers Hillsborough (Tampa), Pinellas (St Pete/Clearwater) Manatee (Bradenton) and Sarasota (Sarasota)  and Charlotte (Port Charlotte) counties, among others.