@Max Tanenbaum good summary of the time vs cost aspects of the debate. 

As i said before, whats done is done i didn't make this thread to debate about mortgage fraud or whether its worth while to pay CMHC.

Just reading through this thread, it is reminiscent of the debate I have heard since the first day I started researching investing in real estate.  

Yes, there are varying academic schools of thought on bedbugs and, it turns out, very serious debates in this field of study! 

A recent article that I wrote on the BP blog received some criticism because I suggest that a 401(k) is one of the best ways to increase your net worth.This strategy was criticized by a couple of readers and I thought I'd move the debate over here.  

Debating whether I should replace the whole window or not.  

We have breakfast each Saturday and compare war stories....but now are starting to debate the retirement strategies more.  

The debate over what is better, cash-flow or appreciation, depends entirely on personal preference, so I would consider the argument moot.  

Lest we forget, it was the 'really smart guys who we should blindly trust because they work for banks' who got the ball rolling down the path to financial destruction, realized in 2007, not Cleetus the Slack-Jawed Wholesaler.If the credit crisis has anything to do with the wholesale debate, it is that the guys on the front lines were pumping false information into the system.  

This renaissance proves that investor demand for mortgage securities remains high, reflecting renewed confidence that stricter underwriting standards will make conduit lending an even stronger channel than in the past.Although the GSEs remain significant players in multi-family lending, regulators will continue to debate what their role should be in mortgage finance going forward.