Since I've never used their services, I'd like to know what their experiences have been with them.

I know this is a tough and confusing question, but hopefully someone can answer it for me.

I let them know that it wasn't what I had agreed to and I would have found someone to move in sooner if that was the case, and would find someone else if they couldn't move in by the date agreed upon.

The best way is to know your ARV and make sure that your purchase price + rehab stays at or under 75%.

They often have people looking to sell and will also know the local market (assuming you are looking outside Grande Prairie). 

Now, how do I calculate the Net Worth ROI?

If I am missing any information that could help our situation, let me know so I can include it in when talking to lenders.

So I have been researching making an extra principal payment every year and how it will cut down your mortgage to between 21-23 years.

Cost will depend on how easy this is.  

In Austin, I know Horizon Bank has been open to more creative financing strategies too, so it’s worth checking with them.One thing to keep in mind is that the terms can vary wildly depending on the institution, so I always recommend reaching out to a financial advisor who’s well-versed in life insurance-backed loans before pulling the trigger.