However, as alluded in your posts, many follow the CMHC guideline of a 50% inclusion rate for rental income (or, up to 100% in an owner-occupied property - i.e. duplex or secondary suite), even when mortgage insurance is not involved.The appetite will also vary depending on economic conditions, the lenders portfolio content and internal lender policies (which sometimes seem arbitrary).  

Also be very clear in the purchase & sale agreement that all payments will be made from buyer to seller which would be inclusive of the existing mortgage installments, so that the bank has in their records, the new owner who will be making the mortgage payments going forward.

This isn't inclusive but should give you a good start.

This isn't inclusive but should give you a good start.

This isn't inclusive but should give you a good start.

My bills have doubled because I used to rent all inclusive for 450.

If you reach out to several providers, you will find that prices and service inclusions vary quite a bit.

The lack of formality is probably just a Bay Area thing, informality and inclusiveness... we don't wear suits to job interviews (I'm a finance professional and own exactly 1 suit, where else but the Bay Area would that be acceptable?)

That isn't all inclusive of course, but the weather and tax conditions caused quite a few to move south for the win....ever.

This isn't inclusive but should give you a good start.