I am currently unemployed, as I am studying for various standardized tests for grad school, but if I wanted to further pursue growing my real estate holdings what sort of options might some of you use?  

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I'm confused as to why this may not be doable.According to Realist, the numbers look good:RealAVM™ (1): $548,583 Confidence Score (2): 85RealAVM™ Range: $493,725 - $603,441 Forecast Standard Deviation (3): 10Is this not valid information to consider?

Sounds like that although FHA will allow the 3.5% down, the bank's standard is a little higher so that they're loan portfolio is higher quality/lower risk loans.

Like has been said, you should pay them for the bid if they don't have much chance of getting the work.The costs vary by area, but there should be pretty standard rates for painting per sq/ft, hanging Sheetrock per board, carpet per yard, hanging cabinets by box, etc.

I would 70% is the standard now instead of 65% since a lot of markets are now in seller markets.

But I know that many people look for "portfolio" loans rather than standard mortgages.

If you have great food and connect with people and maintain that standard the business usually follows.

While Paul provides you links to some good information in his standard form welcome message, keep in-mind that areas of finance, regulation and taxation are somewhat different in Canada ... and different again in PQ from RoC.There is a small active cadre of Canadians here on BP, so when you do have a question specific to home, feel free to give a shout.

The Scope Of Work is determined based on what is needed to do to bring the house up the standard used to establish your ARV.All items are broken down based on categories, and priced accordingly.