So to summarize leverage with a loan gives you the ability to stretch the cash further, increases returns, and spread out risk among a portfolio of properties.Many other benefits and with leverage you have to buy right.

@Clint Cook Your ability to discount depends on your local laws.  

It would be nice to increase my equity and ability to draw money out of the property, but for now I'm mostly focusing on general maintenance and repairs, and then preparing for things like a new exterior paint the in the next couple years.

So i'm weighing out collecting a potential $150k in gains and either begin stock trading (under an experience coach of course), or moving my investing out of state, or possibly holding onto these longer in hopes of further appreciation and having the ability to continue renting to ministry students/families.

Nor do they have the ability to source at wholesale etc. 

The seller must have both the a) ability to provide seller financing and b) the willingnessAbilityWhile I know there are some creative seller financing strategies for sellers with no equity, in my experience generally seller financing works best when the seller has a lot--or even 100%--equity in the property.

As for what we look for, it's stabilized properties of 100 units or more, preferably with some ability to increase NOI by raising rents or cutting expenses.

I'm not responsible for my tenants other bills, not sure why I would pay for his/her utility consumption.Can you direct Ontario Hydro (Power-one or whatever their name is now) that you will not longer be accepting such redirected billing and, in the future, they should suspend service and notify you if a tenant falls into arrears.... or, you could always send them a bill the next time a tenant falls into arrears with rent. ;-)

OTOH, its possible the loan has a broader calling clause that gives them the ability to call it for a variety of circumstances, perhaps with no reason at all. 

Right of redemption gives property owners who pay off the back taxes or liens on their property the ability to prevent foreclosure or the auctioning off of their property, sometimes even after the auction or sale has occurred".