I'm trying to nail down a 10 unit after the 1st of the year, so that marginal relief may come sooner than later.  

I feel your pain regarding the Toronto/GTA market.

I live in PA in the Delaware county area.

If you do a conventional at 20% to avoid PMI, you've risked $20,000 before closing costs, which is also money that you can't invest elsewhere, or if you're really conservative, hold in reserve in case you run into trouble.Full disclosure, I always pay 20% on my "house hacks" because I hate PMI, but I'm painfully aware that I'm leaving money on the table by not leveraging to the fullest extent possible during this time of historically low rates.

This is likely going to be a pain, but we're getting it taken care of.I also have found out that the property is a bit different than I remember or that the previous owner let me know about - the one unit that was 2 bedrooms, apparently is 3, but one room has mold damage so the tenants do not use it.

I moved here from Johnstown,PA in 2012 and began investing in 2013. 

BTW, I do invest most money in CrowdStreet and RealtyMogul will be my future focus.Presently I am biased to commercial, as the housing market comes down and interest rate goes up, individual flippers will feel the pain harder than managers of professionally managed commercial properties.

The pain of stagnation in something I've been doing my homework in.

SBA loans are a MAJOR pain.  

You have to locate people with multiple pain points and few options.