I don't know if there are privacy protection laws preventing this in Canada though.

I received an email stating the transaction went through then a minute later got another email saying the "For your protection, Square canceled this request".

While using a QCD may encourage the Clerk to accept the deed for recording it won't help if the DOR decides to audit the information provided with the conveyance. 

A local RE professional should be able to provide this information to you as well.In New York, we deal with this scenario frequently and oftentimes it does not make sense to legalize ADUs because the permit process is extremely lengthy, the cost is high (sometimes $150-300K for 1 ADU unit), and the potential increase in property valuable is not worth the risk.If you already have an approved permit/plan and can get your renovation down to $80K, you may want to consider this project if the ARV is say north of $800K.** You should also look into any potential property tax increases associated with this change.

Like others have mentioned turnkey is a great option, there are several providers that operate east and north of you where the price points/rents are more favorable while laws remain landlord friendly.

As long as your credit is good you, if your HELOC rates go up, you should be able to rinse/repeat that "0% balance transfer" option every couple years until the debt is paid off.There are alternatives out there as wellLoan on your 401k or IRALoan on your stock accountDown payment assistance programs that provide all or some of the downpayment money.

May states ca provide a good return/cash flow on a purchase price of $175K to $300K.

The management company just happened to be hooked into the deal with Growth Equity group and they also provided the interest only hard money loan for the balance of the purchase price. 

Hey Misook, I get you wanting to be understanding in this situation as it is rather unfortunate and it does seem like the tenant has some valid reasoning for needing to cancel their lease but you have to think of protecting yourself and your assets.

I am available to answer any questions you may have regarding this disclosure and can provide documentation of my degree and employment if helpful.Sincerely,Jonathan C.