It is the equivalent of crashing your car then trying to buy insurance to fix the car after the fact.A home warranty or homeowners insurance policy will not pay for mold because mold is a maintenance issue.You didn't say what is wrong with the garage - if it's a broken door opener that is typically covered on a home warranty.My experience is mixed with home warranties and I can 100% tell you your satisfaction comes down to the local trade person that shows up.The home warranty company does not employ trades - they contract them locally at a fixed rate for the work performed sort of like how car mechanics are paid. 

Make sure tenants know what these terms mean and that you're following local rules.

We've got a national bank, a local credit union, and a direct-to commercial mortgage backed security.

Talk to some local property mangers to get a feel for rental prices and demand.

Yeah, I'm going to stay local in St.

Does anyone know of any local Winnipeg meet ups or online Canadian Real Estate communities?

That way i see it unfold in real time, I understand the necessary systems to have in place, the right players to have in my team, etc.

Read books, take online courses, and join local real estate investment groups.

HUD, Fair housing, State Government, Local city councils, it's overwhelming. 

Even facebook might have some good local groups for you.