Bugs,rats etc develop a habitat due to a suitable environment and sources of food, not location.

. ;)   I'd love to see any other charts you're using to get a read on the current environment.  

While it a tax-deferred environment or tax-free in the case of a ROTH, it's really painful when mistakes are made.

The reason one may opt for insuring a <=80% LTV mortgage is the lender is offering a sufficiently lower mortgage rate that it more than offsets the cost of the insurance premium {not usually a factor in today's ultra-low interest rate environment}.High-ratio mortgages are only available on owner-occupied, residential properties (1-4 units) and your maximum LTV is 90% (3 - 4 unit) or 95% (1-2 unit).  

When I was up north (the *real* north, as in NWT) the environment is not condicive to grass and folks do not try to grow lawns

As @Alexander Felice said, Ally is great, top notch technology & good interest rate (in today's rate environment). 

It is just nature for one monkey to see another monkey being successful at fishing ants out of hill with a stick and then emulating that behavior.

And I'd be lying if I said I wasn't intimidated by all the "big fish" I see contributing to this community.. but as of right now my plan is simple: keep saving and while saving, research my next and FIRST cash flow investment, so that when I have enough money saved up I will be ready to take action and become a DO-er for once!

They like moisture, and eat mold (bathrooms are a perfect environment).

While the Swedes eschew closed cell foam (they see rock wool as producing a healthier living environment), if one were to used a closed cell foam it would be possible to produce wall assemblies of R70 or more)I have yet to find a build using Nordic/Swedish framing in Canada - I do know of one in Minnesota, U.S.A. - but, there must be some out there.