I’ve read books, gone to seminars, and will be attending a workshop in a couple of weeks where I already know that they will charge me an arm and a leg for their mentoring program that I can’t afford.

All depends on if you want the property or you think it will redeem and how much you can afford to have your money tied up. 2) The fees are included in the minimum bids. 3) They changed some things.

@Tamara GrahamWelcome to the site.Typically your looking at 30 year loans with 25% down for non owner occupied properties in the 1-4 unit range.I'd hook up with a local lender and realtor and see what you are able to afford.

Fortunately Canadians are smart enough not to make RICO level mortgage origination fraud legal (unlike your southern neighbors here in the US) so a collapse brought on by mortgage rates resetting on borrowers who had no business getting a mortgage in the first place is very unlikely.On the other hand with mortgage rates below 3% and most Canadian mortgages being short term (compared to a 30 year in the US at least) if rates rose significantly a lot of folks might have a hard time affording the new payment when the loan was due to roll over.

What about other tenants with health concerns?

My current budget for any property looks like this:33% of revenue is my salary26% for taxes (purposely exaggerated)9% for property management7% for insurance2% eviction court fees cushion23% for reservesI don't know where I can cut back to afford a mortgage. 

My experience has been to PreQual the candidates with their on-line lenders otherwise I was ending up with Candidates that could only afford the Lease if they did not pay ANY of their other bills:-(

For all others- if you are a genuinely distressed seller in need of help- if you can't afford your house, you're behind on payments / taxes; uninsured; or you're a burnt out landlord with tenant / eviction issues; facing job re-location, divorce, or life has otherwise happened to you-- maybe you took advice from how to invest in real estate from some message board, and now you've got a dog or dogs you need to unload?

Not something I want to do or can afford. 

@Crystal Aasir I would try fiverr.com it could you some really good affordable options.