I would start putting together a few different options for private money, which will help you find a general idea of the deal that you will need to close.

It is a 2 unit RS-3 that I converted to a 3 unit RM 4.5 because it has a coach house that wasn’t legal which I didn’t know until I basically got to the closing table. 

I can point you to a hedge fund that would require only 25 to 30% down, by your investment property enough experience they close your loan within 14-21 days.

It hols on 80.I told the tenant not to lower it that low, becausing doing so will over heat it and cause it o malfunction.if the AC goes out due to them not listening will they be responsible for repairs?

There are definitely some BRRRR opportunities if you go further South or East as property values will be lower, but demand will also be less...Are you primarily interested in investing in your area or are you open to options elsewhere?

It will result in lowering the occupancy rate of STRs statewide as it instantly raises the cost of the STR tenant by 15%.  

I closed on 14 mid Sept.

Property prices are relatively lower compared to major Canadian cities.Cons: Certain neighborhoods may have higher crime rates or lower demand for rentals.

Some ways to work with a designer to lower costs would be to have them only do selections and you perform the ordering and installations.

But to be honest, I'm not happy with zillow pre-screening (almost non-existent), and background check (lower quality).