I seem to work on it for a few hours and then find a band-aid to fix the short term and get pulled back into the business. 

Interacting face to face will help tremendously with forming those critical relationships to aid your progress.

Someone can correct me if I'm wrong, but if you don't have $200K ready right now and access to $800K in loans (traditional or private), then you'll have a hard time getting into the Toronto Market.Hamilton is the closest, most affordable market going west ($60K down, $240k mortgage, on MLS).

Don't put band aids on your rentals.

Interacting face to face will help tremendously with forming those critical relationships to aid your progress.

Interacting face to face will help tremendously with forming those critical relationships to aid your progress.

I would do my best to be charming and this was sometimes aided by a beer or two. 

Join the closest REIA group - or seek one out.

We are worried that college education funds could negatively impact our ability to obtain college financial aid, particularly if i quit/lose my job/retire prior to our kids going to college.  

We'd like to refinance to a 30-year (to aid cash flow), pay off the HELOC and HE loan ($70K), and pull cash out of the deal for a down payment on another investment property.