Yeah @Kent Fang ching, you detailed a couple of the strategy actions we are doing for clients right now in MN. 

A couple of thoughts that might help.I recast a loan at a point where I had paid enough extra to allow recast (I think it was $5k over).

Now you might be like Joe, know rents for a couple of neighborhoods and can quickly estimate expected cash flow from properties pretty quickly (that's what I do as well) but you still need a screening rule so you invest minimal times on properties you will never put an offer in on. 

two things I have learned.  1,200 is a sweet spot for demand, and if you do have a large unit of 2,500 get a couple of them zoned for auto. 

I’m a couple hours north of Boston but there’s always tons of people looking to move so a longer vacancy or having to lower my rent prices is not even a consideration.

Lenders have been accommodative for the last couple of years because they were facing a declining market with no buyers. 

I had a question and emailed them and they responded with a day, I sent another question though and it's been a couple of days. 

I’m also from the US so I follow that market and am soon to be involved with a couple of exciting projects in Seattle & San Diego

I'm interested in trying the short-term rental market with a couple waterfront properties. 

There are a couple of $100K lots available, and I’m trying to think of alllll of the possibilities.