Additionally, the lender allows for 3% seller-paid buyer credits, which could save you even more money.

In a down market, sellers may be more willing to negotiate: Longer Escrow Periods: Provide buyers with more time to secure financing or sell another property.

I can recommend some more attorneys that could help.

This home had a HUGE delay that cost us thousands of dollars.The group that put in the underground plumbing dug the plumbing too low, and by the time we caught the mistake, the slab had already been poured and the septic tanks installed.We had to dig up the septic tanks, install a lift station, and reinstall the septic tanks.This all happened during 2 hurricanes, which caused even more delays.Time kills deals.This is why you need to 1) be conservative with your timelines and costs, 2) add contingencies to your budgets, and 3) have a healthy profit margin.

Looking to invest into more Alberta properties but also open to opportunity’s where ever they may present them selves. 

It's not uncommon that the master bathroom is a 3/4 bath (i.e. has a shower instead of a bathtub) but if you have both already, it would take a lot for me to want to spend the money to remove the tub just to expand the shower.

I am interested in learning more about Buy and Hold properties.  

There is a lot more budget there to absorb a few hits. 

There are a lot of different opinions on if it is even a buyer's market or seller's market.

To do the cash out refi I want(leaving more cash in the deal than taking out) I would only have a $200 increase in the PITI.