That's regional FO pay. 

Finishing a basement and renting it out with a separate entrance is like the #1 house hacking strategy in Toronto.

They each cost me $2,300.Its crazy to see how much pricing varies from region to region.

The latest city to implement rules is Toronto.

Interesting perspective about the region.

I live just north of Toronto, Ontario.2.

I would try shopping it at as many banks as you can locally and possibly regionally first and see if you can convince one of them to take the risk on you. 

That isn't always the case for MF in the Baltimore region.

Originally posted by @Wayne Brooks:Yeah, and rural properties have little value above that of the timber. real estate its highly regional  out our way they are dedicated timber lands and most are unbuildable and when you figure half the state is either federal or BLM or state lands along with VERY strict zoing that precludes building in these areas unless you have 160 to 640 acres. and even at that its not a given.. so prime timber ground is mainly long term investments and traded by the largest timber concerns in the US>

Get to local/regional banks and credit unions and ask some commercial property brokers for a local loan broker.