@Jo Weiss, there a few national credit unions that do HELOCs on investment properties: Pen Fed & Navy Federal.

Then our low income tenants, who just got $9k back on their Federal, blame us because we need to raise rents. my 2cents!!!

Any potential government intervention to remove the stress test or increase the amortization period for CMHC insured mortgages would most likely increase demand.

I can easily google for 50-200 acre plots of undeveloped land all over the U.S. for under $100k, but I'm thinking there's another level of scale I'm not seeing, such as government grants, auctions, etc.

I'm just thinking that I made the mistake of telling them my intentions (that I wanted to rent out the other units), but I'm just curious if it's a federal law with buying multifamily properties.

Cleaning fees are a pass through and so are the sales and room taxes so unless you intend to "eat" the cost of them (which you shouldn't have to), the fees will be paid for by the guest and you just pass them through to the cleaner and government (in the case of taxes).

A federally backed mortgage will require insurance unless the property has previously had a removal letter.

But I need to research the local government/city side for rules governing STRs.

These screening services need to access government records to find out if anyone has been evicted.I wonder if Tellus actually has people who call to verify income and employment.

That is another federal law that impacts multi-tenant occupants from nuisances, including smoke/smell from other occupants.