Both are strong cash flow markets but in addition to good cash flow, they both have strong economic and demographic fundamentals such as growing populations, job growth and modern/diverse economies and industries.

Best of luck man, I strongly agree with the first comment on trying to mend things before resulting to the last resort.

Is there a strong chance they'll simply reject my claim?

In the past couple months, I've developed a strong interest in real estate investing.

I am asking for advice because most of you have either a strong financial background or strong real estate background.

@Jesse Nelson, Being in a very strong seller's market myself with limited inventory & high competition, this is pretty difficult to fathom. 

The low inventory, influx of business, and steady growth to the region strongly support that trend continuing.  

And yes Montreal is awesome, especially during summer and your strong dollar can go a long way!

One factor that is important as well is your current salary, since that will be a strong evaluation when the lender does your preapproval, they need to know how much you can afford and if your able to pay the mortgage most importantly.If you plan on buying out of state, you will be getting some cash flow, less appreciation than California.

Rents are high, vacancy is low and demand for property on the island is strong and will be for a while.