@Christopher PhillipsSo all the money you own in rental properties, goes in your Income bank account?

Hey all, new member here.Doing BRRRR in Ontario, have four small multi-family (2 duplex and 2 triplex) so far.It looks like I'm going to run into an issue with getting bank mortgages soon.

You have the bank approval for your financing. 

The wrong kind of seller financing (where you don't own it until you pay it off) is way worse than a bank loan.  

I have worked in investment banking, private debt, commercial banking, and private equity all at “prestigious” firms and closed $30bn+ worth of deals.

I believe the problem is that they assume since you are married you should have the same primary residence; perhaps going to different banks would alleviate this issue?

I just would like to know if I will be wasting time to save a few dollars by shopping around or if it is really worth it to bring my business elsewhere.I have great credit (750+) and enough money in the bank to do this deal in cash, if that makes a difference.Thank you so, so much for your time!

They can choose to leave the house to one of you, both of you, or someone else, or  there may be nothing  left so don't bank on that. 

In the last recession, did any of you guys have a 1st lien equity line of credit that was frozen due to the credit tightening from the banks?

Again, think of the bank perspective, they are going to put out 500k and you're going to come up with what?