Or should I use just a part of the cash I have ($12-15,000)  to buy one single family home this year (owner occupied 3.5% down) then have cash left over to buy another SFR or maybe a multi-family property next year.

Many people who left Toronto for Calgary, are now heading back to Toronto. 8 – Foreign investment and international demand My belief is that as things get worse in the rest of the world, Canada’s appeal will just continue to increase.

I left my offer in as a backup, but I'm not optimistic. 

My real estate investing is not a business , I just use all my left over cash for my deals and expenses .

Guess who left almost immediately because daddy wasn't paying their bills anymore?  

Consider this excerpt from the legal notice I pulled from our local paper (I left out the pieces that are easily understood like 10% cash due at sale, etc ):... in order to raise the principal sum of $137,040.05 with accrued interest of $21,804.38, through January 29, 2015, with the total subsidy granted of $11,690.08, escrow charges in the amount of $1,709.14, with late charges in the amount of $1,014.40, and with fees assessed of $6,621.93 for a total unpaid balance due of $179,879.98.  

If you have any money left Fema will raise your flood rates higher because you are a landlord and not owner occupied.

and make decisions from there if it is something that aligns with your goals of learning the business and making money. 

We even discussed that if he doesn't have a chance to submit the taxes on time and ends up submitting an extension (he was supposed to be moving offices), he will have to run the numbers, and if numbers show we owed anything, we would send a check  to IRS before April 18, 2016, and then IRS would reimburse us (if there's balance left) once he gets a chance to complete the taxes and submit.

This left us no ability to replant when it was time to sell.