I’m looking at Condos in my area in the $250k range, pulling $22.5k out of the 401k to buy, but was considering (if possible) a hard money lender for the other $40k (for 24 months) to avoid pmi (which is $270)My Questions are:Are there hard money lenders to stay away from?

But reviewing a few DST projects the distribution projected are in the 4%-5% instead of what I remember 2-3 years ago in the >6% range.

I used the BP rental calculator to assess the properties for sale for almost every property within my price range.

How would one go about finding a flexible term hard money loan against real estate they own outright in the $4m range in California?

Your credit score will give you a sweet interest rate but let's talk cash requirement and price ranges on deals. 

My range was $160k-$200k.

The electric cost at home will be approx $2 per day for the same range as with Gas.

Nobody has a 'crystal ball' but the average price for a single detached home with duplex potential seems in the range of $500-600K asking price in Kitchener - isn't this unsustainable? 

There are lots out there and range from 4-7% rates depending On buy downs and a few other things but no W2 needed. 

There are SO many tech companies here, ranging for startups who would pay you peanuts plus equity all the way to Fortune 10 companies with large offices here.