As such, we don't really have funds for a down payment towards a property.

My wife is not part of the loan.I am planning to buy a 2nd and vacation home (80 miles away) from the primary residence.I would like to use the low down payment to purchase this property.

I've planned to call the home cleaning service oakville and here is their pricing information http://www.sunrise-cleaning.com/fees-payments/pricing-information/.

If I was to borrow lets say 100K for a down payment on a property I am currently speculating on.

Another advantage of higher priced homes, is the power of leverage and the tenant paying off a higher amount of principal payments each month which increases your equity at much higher rates than for cheap homes

***Additionally, a mortgage broker that is able to take a tenant-buyer's option consideration that is paid to me (wholesale lease option deal), and either apply that consideration towards the TB's down payment when the exercise their right to purchase ORdiscount the price of the house.Typically the consideration goes through a third-party escrow account (my attorney's), and that helps with the above.Typically mortgage brokers who understand this type of situation will only submit financing applications to banks they have great relationships and won't have an issue with this type of thing.Thanks in advance!!

Net zero is trying to completely eliminate energy payments or energy input.

I refinanced out and got a 15 year instead of a 30 year with essentially the same mortgage payment.

Some will finance before the 6 months, but the HML your using may have a pre payment penalty if you do.

Typically, this is an obvious no-go, but since I'd be living in the SFH, I'm looking at it as if that is my mortgage/rent payment until I can refinance.