@Charlice ArnoldI think it depends upon the market cycle.

The yields of the past aren't happening today especially paired with Cleveland increasing taxes on average 50% during this latest cycle. 

Ive been paying out of my ears on interest on those things which is why I started to obsess over my mortgage payments as well, bc i could see myself getting into the same cycle. 

Working with a knowledgeable 1031 exchange advisor or real estate professional who understands market cycles can be key to timing your transactions effectively and avoiding the pressure to buy at a peak.

I don't see how any city/state could possibly enforce requiring proof that all work done in the house was permitted.

What do you mean by not having proof of income?

Operators of very small homes are taking home strong 6-figure incomes.It's essentially recession-proof as the supply of aging baby boom seniors needing care will be in place for the foreseeable future.Residents of an ALF are generally in need of assistance with "Activities of Daily Living", called ADL. 

The market cycle caught up with them.

I mean it stands to reason it will not get worse, as these interest rate cycles tend to take a long time, and some places already advertising under 5 something rates.   

If you are planning to use an insured mortgage (less than 20% down for example) they will want proof that you will be moving in the new property, and if the person with the qualifying income (your husband) is staying in BC that could cause some issues.