I don't think w two you've reached the pain point yet, that usually hits many in the 6 - 10 range when banks start getting more stringent w borrowing, and paperwork, makeovers, direct renter engagements start taking more time and interupt your lifestyle.

Many renters are painfully ignorant about what they have insured, and many believe that the landlord will pay for what was described above.

Find a niche within the industry and learn as much about it as you can, then try to locate motivated sellers...always try to solve a real pain.

I know it’s not fun painting ceilings, it can be a pain in the neck but let’s do the job right the first time and put a coat of paint on it.  

Baltimore city in general will be more of a pain in the butt to deal with.

I've done deals in over 30 states but if someone came to me just wanting "comparable" properties so they could decide what to offer for a property, I'm not sure it would be in either parties best interest for me to provide such a low level of service to my client.Apologies if this comes off as harsh, it just pains me to see such a large decision (not sure the $ amount so just assuming here), being made with very little knowledge / information.

I feel your pain regarding the Toronto/GTA market.

I live in PA in the Delaware county area.

I've hosted topics such as Investor Psychology 101, Working with the MLS (and how to maximize your agent), Why investors buy rentals, Investing while working a full time job, how to fund your investment projects, mortgage acceleration, etc.  

If you do a conventional at 20% to avoid PMI, you've risked $20,000 before closing costs, which is also money that you can't invest elsewhere, or if you're really conservative, hold in reserve in case you run into trouble.Full disclosure, I always pay 20% on my "house hacks" because I hate PMI, but I'm painfully aware that I'm leaving money on the table by not leveraging to the fullest extent possible during this time of historically low rates.