I should also add the survey shows the fence is right on the property line but does show it angles onto out property on the front few feet. 

For anyone on here looking for meetups in winnipeg there is a group called truly invested in winnipeg that are great. there is a membership  fee but first one is free. they are on insta if interested.

with our training you have lifetime access to these membership sites, the recorded classes, all our contracts and docs, our deal genie which assesses your potential deals and tells if you if it's going to be profitable or not and best of all, our funding.

An ALTA survey of the Property (if available).

Hello, my name is Lai: I'm a 20 year old motivated to achieve Financial Freedom for me and my family.I've been doing some research and came up with this plan.I will list out all my asset and liabilities that way you can see if there is a better strategy I'm missing or such.IncomesDad - 4,000 a MonthMom - 1,800 A MonthMe - 1,800 A MonthRental #1 - 750 A MonthTotal Income - $8,350 A MonthExpensesPrimary Mortgage - 1,500 A Month (1,000 for Principle and Interest / The rest for Tax and Insurances) (8 of a 10 year left)Whole Life Insurance - 1,000 A Month (About 3 years left on this)Groceries / Essentials - 1,000 A MonthOther Expenses - 1,600 A Month (Internet, Contract Phones, Cell Services, Gas, Gymn Membership, Travels, 10% to Church)Rental's Tax / Insurance - 250 A MonthTotal Expenses - $5,350 A Month8,350 - 5350 = 3,000 Monthly Cash-flowOther InformationPrimary House has 80,000 of the 125,000 in purchase price left in mortgage. (45k Equity if the house for what ever reason doesn't appraise for more)Rental Property - Completely paid off (it was our first primary home that we bought for 65k) (so that's like 65k equity right)Parents Saving - 40,000 (We are all on board to use 100% of our resources)My Saving - 8,000Organization - 20,000 that I'm holding for them (trying to stay away from touching other's money in case the investment fail or some and the organization ask for the money)Life Insurances - (could potentially take out 40,000 from it without having to pay it back, but that would kind of mess the insurance up since we already paid like 50k on it)Now's Come The PlanStarting Cashflow - 3,000 (750 is Passive)Buy 2 Duplexes - Down payment of 40,000Assuming Each Duplexes Produce Min of 400$ a monthCashflow increased to - 3,800Get a HELOC for up to 40k either through the rental property or primary (If I could get more like 60k I would buy 3 instead of 2 which would make it faster)Buy 2 Rentals - DP 40k (using heloc)Cash flow increased to 4,600Pay HELOC off in 9 MonthsBuy 2 rentals - DP 40k (HELOC)Cash flow increased to 5,400Pay HELOC off in 8 monthsBuy 2 rentals - DP 40k (HELOC)Cash flow increased to 6,100Pay HELOC off in 7 monthsBuy 2 rentals - DP 40k (HELOC)Cash flow increased to 6,900Pay HELOC off in 6 months Buy 2 rentals - DP 40k (HELOC)Cash flow increased to 7,700Pay HELOC off in 5 monthsBuy 2 rentals - DP 40k (HELOC)Cash flow increased to 8,500Pay Heloc off in 5 monthsIn 3 and A Half year we would own 14 Rental properties (all 20% payed down) plus the 1 we started with; All cashflowing $6,350 (400 x 14 + 750)Which would be 1,000 monthly Cashflow after if we quit our jobs.Obviously, we could keep going repeating the strategy to create more cashflow or focus on eliminating the mortgage off our homes and rentals.

I've heard good things about Seattle Investors Club, although I haven't been (also, that one has a small membership fee, i believe). 

As part of my membership I am hoping to gain knowledge on creative financing to allow my deals to make sense with today's interest rates and current economic situation. 

What are the hard cost(sewer taps, GC fees, permits), time frames from surveys to footers to frame to ruff ends?  

@Matthew Thornton  I was going by this article from the Mortgage Bankers Association:https://www.mba.org/2020-press...This is a quote from the article:The nearly 4 percentage point jump in the delinquency rate was the biggest quarterly rise in the history of MBA's survey," said Marina Walsh, MBA's Vice President of Industry Analysis.

It was nice, I didn't sign up for membership.