Let's assume your expenses (mortgage, taxes, insurance, maintenance, vacancy, etc.) comes to a clean $600 and the property rents for $1,000.

Big cities tend to have more regulations, more crime, more leftist-leaning policies that hurt investors and private property rights, etc.

You might find the answers to your questions there but I know that the search function is less then optimal so feel free to send me a DM if you don't easily find what you're looking for.I've never bothered commenting much about Canada because, until recently, it made no sense for US investors to invest in Canada: much less favorable mortgage conditions if they could even get one, much more expensive prices on average and much less profitable on average.

               $215K @ 2.65% rate to be paid offRental in area -                I can rent this for $2600/month and it will give $500 cash flow after mortgage and HOA.              

A DSCR loan sounds like a great option for you based on the fact that you already own five properties which I presume have conventional mortgages on them, based on your post. 

Our mortgage and HELOC are both in my wife's name.

I get the premise of buying turn key investments but how is it they can offer in some cases 0 down and mortgage rates well below current market value?

Given that I'm a new investor the loan/mortgage are in my name.

My goal is to leverage equity through private money lending (PML) partnerships while building valuable relationships within the local investment community.How I Can Add Value:With 6+ years of experience running various businesses, I can offer high-level and detailed technical insights to help visualize and automate your operations effectively.For example, I’ve developed a dashboard that tracks company expansions across the greater Phoenix area in real time.

If it is a larger bank/mortgage broker, you should be fine.