Also, the appraisal I had done compared one mf in Princeton...I'b be happy to share the numbers if you're interested.

I agree with @Roy N. numbers and that should be the minimum, the only thing is price are high compare to rent in montreal so you have to look thoroughly to find a reasonable deal.

I would still consider looking at multiple lenders but I'd go with the one your Realtor recommends if they are comparable in price.

I've never heard any of my lenders mention anything more than 1 month up front reserve for the tax escrow.Are we comparing apples to apples;  MFU 5+ commercial loans?

It has positioned you perfectly for future financial independence.Dividend investing and real estate investing are not comparable, unless you invest in real estate passively. 

I think the panel should also compare and contrast the way they invest.

I have not seen as many good deals in the Utah County area in the last 6 months compared to Salt Lake, Davis, and Tooele counties. 

You need to look at comparable properties and what they sold for in the area.

And I know exactly what you mean about the REI game here in So Cal, prices are pretty crazy, especially compared to places like Chicago, Detroit, etc.  

The Gross operating income is without any debt service (P or I).What's funny is the duplex numbers are better than the comparable SFH numbers I have in columns D and E, for which I'm using the 1% rule, which I've heard is a tough number to achieve.