Secure Smart Financing – Consider FHA, VA, or conventional loans for small multifamily (2-4 units). 

I would pull a FHA loan for $665,000 and live in one side and rent the other side out to a family member for $2,000 a month.

We do those types of loans.

A rental market analysis can reveal demand trends​.Secure Financing: Lenders offers tailored loan programs for multi-family, mixed-use, or fix-and-flip projects.

I forget It was likely a mix of private and traditional loans I just don't recall to be honest nothing illegal. 

In reality, it’s pretty rare to find a DSCR loan going up to 95% LTV.

I would certainly disclose the currently approved special assessments, but since any further financial obligations and project plans have not been voted on by the membership, approved in a budget, or secured in a loan; must I disclose the knowledge that the board is trending in that direction?

My wife nothing but student loans and car debt.

What paperwork should I keep a paper trail of to make things like taxes and other situations better/easier for myself?

Mortgages are the last thing to default for a homeowner and appreciation has been so high in Canada that every homeowner who has purchased before 2022 has gained equity and could just refinance their loan over a longer amortization before defaulting.