Anyone you recommend (that you have had success with firsthand) would be appreciated. 

Regarding the fact that you are in Canada, represents no reason to not achieve this.

In this context your DTI was improved because you converted the use of the property from a primary residence into a rental income which allows you to offset your mortgage payment.Keep in mind the two conditions to not count your 10 FNMA loans available is based on these two criteria:- you hold legal title in another entity- you're not signing a PG (personal guarantee) on the commercial noteIf you achieve the above on each 1-4 FNMA loan you have then yes your 1-4 unit property wont count against your 10 FNMA mortgages available.

Could a person achieve 15% with low risk tolerant notes?

Looks like you made your plans then set out to achieve them.

To be balanced, I don't think I am some genius who is able to achieve above market value all the time.

I was hoping someone had first hand experience with this topic.

So the lender feels the seller is an exceptional owner operator to achieve above local market vacancy rates.

It is always a good thing when each partner can provide unique skills, expertise, experience and views to the table, which it sounds like your partnership achieves.

But they are actual, achievable numbers.