@Dallas Morioka why use your own money when you can do seller financing. 

I have a private investor who will lend his own capital for ADU financing.

Securing financing is often one of the biggest challenges new real estate investors face.

Even with the balloon, this is more typical for owner finance. 

Just keep in mind that using that emergency fund to buy your next property and having tapped a HELOC already may leave you in a bad spot if you run into a similar problem again.Also, I’m not 100% sure, but I have heard that personal loans don’t your credit more so than other types of debt so be sure you look into that if you go the personal loans route and then planned to finance your next purchase soon after.

One of the key challenges I’m facing is understanding the financing options available to someone without Canadian residency or a local credit history.From my research, it seems that a 35% down payment is often required, with interest rates around 7.5-8.5% for non-residents.

I have spoken to lenders about traditional financing and also DSCR loans.

Hello,I am interested in purchasing a recently renovated $195K property as a 'secondary' home for the next 4 years to use as a future LTR. I am active duty military and plan to use the property for deployments/holiday...

Hi Jonathan0% financing options are available for owner occupant buyers now for duplexes.

If I were to approach a seller of a $200k home, and they had a remaining mortgage of $100k, could I get a new bank financed loan for that $100k, and have the seller finance the remaining $100k of equity to me?