The IRS will never contact you by text, email or social media to request personal information.Education for Your Staff: Be sure your staff knows how to recognize a phishing attempt and how to report it when one occurs.

If anyone has advice or personal experiences they could share I would really appreciate it.

I have pretty much zero interest in the market I am currently in - its WILD haha Canadian housing has no potential to provide positive cash flow.

Again, I really have no knowledge on this and viewing it as if we are flipping a house lol.. so please excuse any improper terms and I'm excited to hear any insight, thanks :). 

or they just care about the house being "liveable"?

I also love that your policy stays in house with Proper (so they're NOT a brokerage) and you don't have to deal with claims outside the company.

Such an act involves a deliberate disregard for the safety or well-being of another person.

I pretty much second everything Chris wrote with the one addition of id recommend getting a personal loan if you could swing the higher monthly payments.

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

I ask for previous landlord info but I personally have never called a previous landlord for all of the reasons @Kevin Sobilo mentioned.