They are on a big push to get back in the game though, have you seen their recent ads stressing that they only list private homes?

Generally no because the root system is still in place.

The recent consecutive mistakes have been so EGREGIOUS, that I honestly thought that it was either A SICK JOKE, or some coordinated attempt to push out some of their tenured clients.

I would push for very low or no money down but having a Realtor that needs to have their fee paid it may still not work.Look up the owner if possible through truepeoplesearch.com and call them up directly.

The only other option that comes to mind is to make the improvements and try to achieve favorable rental rates to push the story that 2 BR homes rent for a premium because its unique.

💭 Final ThoughtsWhen your financial advisor pushes back on your real estate investments, remember this: You're not just "buying a house" - you're investing in an income-producing asset, just like buying shares in a dividend-paying company.

Push through it, you may even need to have a second, consistent paying job and thats OK, until you get established.

@Timothy Frazier Yes, the only reason to use HML as a down payment is if the property is "mostly turnkey" AND you don't have the funds to renovate AND you have strong CMA comps from a real estate agent that supports that the fact that you are buying a property that is under valued AND your renovations would push that so that you could refinance.

Let's use that as an example. 20% down is $43,000 plus lender loan origination fees, closing costs etc is going to push you over $50,000 cash out of pocket.

Largely, the appreciation in housing prices is coming from both new migrants and investors coming from the East (GTA) as well as international countries (predominately from the middle east).We are also seeing drastic increases in the rental rates which in turn are pushing investment property prices up as well.