Now that we have 18 houses allot of my loans are with a smaller regional bank that sets us up on 5 year balloon's.   

Being a priced-out-of-the-market CA investor myself, I very much believe in markets that are pretty static, secondary markets somewhere where the laws are very landlord friendly, taxes and utilities bills are on the lower side, price to rent ratio is as low as possible, and demand for rental space is high.I like a specific region of indiana most (near chicago), but there are several secondary markets in the midwest and perhaps the south that fit this set of criteria.

Starting to look at pre-construction properties in Toronto proper and I'm not super happy with the numbers - obviously factoring in a lot of appreciation over the next few years. 

Also, we would probably only stay in the house during low seasons.We would not be taking a mortgage, as we have the money invested in ETFs, making ~5% year (that yield number might really not be true depending on the year)We live in Toronto, Canada.

It probably depends on the region and season but r,ember next year it’s about to get more expensive as they finally ban the sale of the old Freon.

All of our regional banks are lending.

If you are looking at debt under $1MM, your best bet will be smaller local and regional banks.  

Also, local lenders seem to be more flexible in doing deals than more regional or national banks.

Specifically I'm looking for the Sarasota-Bradenton-North Port MSA rate but a good source for state, regional, or national would be great. 

Just in the Atlanta GA region OpenDoor moves 5% of the market on their own.