We keep copies at our office as a backup just in case.

In those situations, I would provide them a copy of the bill and bill them for it.Others may have good success with covering the bills when they have the discretion not to, but from my experience, this is never a good idea and really does not help you get any greater of a renter in your home.ML

@Jamie CarterTo find out about an area go to loopnet search the are get 5 property packages find the 5 pages in each talking about why this is the best area to invest in real estate copy and paste into a word doc you now have 25 pages as to why this area is good these are your talking points.Go to IREM.org search for ARM certified property managers.

You can find current activity at Zillow, Trulia, Redfin, and Listingbook ( an agent must give you a copy).

You can also search NARPM.org for the RMP (Residential Management Professional) and MPM (Master Property Manager) certified.To find out about an area go to loopnet search the are get 5 property packages find the 5 pages in each talking about why this is the best area to invest in real estate copy and paste into a word doc you now have 25 pages as to why this area is good these are your talking points.Paul

In my area, HUD also has us send only a cashiers check copy in the package to the HUD servicer, and take the actual check to the Listing Agent.  

I asked at my local title company for a copy, and your real estate lawyer probably can draft one up for you, as well.

@Phillip JohnsonThat's not a scheme for newcomers to Canada - even if you read marketing copy which says so.High ratio mortgages, insured by CMHC (or Genworth or Canada First) can permit LTVs up to 95% on 1 - 2 unit residential properties and 90% on a 3 - 4 unit residential.While you may get an interest rate of 2.4% (which you would also get if you have good credit), you will pay an insurance premium of 3.6% on the principal of the mortgage.  

You need to keep a copy of the RTA with you at all times until you can quote articles from memory and know exactly how they are interpreted and enforced by the LTB.Welcome to the most pro tenant jurisdiction in North America.

After your attorney looks over it and says it is good, print a final copy and sign it.Hope it all goes well,Allen Fletcher