I'm a residential lender, not commercial, so take this with a grain of salt.

I don't know squat about Canadian mortgages, so take this with a grain of salt.If you write a contract stating that it's a $100k property and the seller is kicking back $20k towards you (as a credit, as a loan, or in some other fashion), that means the real sales price of the home is $80k and you're asking to be 100% financed with 0% down.

RickSome food for thought.  

And just to get free of your W2 is surface...go deeper...did you aways want to be a clown in the circus, a stand up comedian, or you hope to be a shut in and order all your food off instacart so you can game all day?

If it is filled with McDonald's trash bags or food or junk that may stink, that is a glimpse of how they will treat your place.So no matter what the credit score is or how they look on paper or in person, that trick is a great way to find out how your place will be treated.

I was getting very little help financially and ended up getting a few credit cards to pay for food, school clothes, gas, etc.

Do buy the food unless he offers.

Whether those other asset classes are stocks, fast food chains, apartments, dry cleaning companies or 711s is up to the investor. 

People get there around 6:30 to network early and grab food.

Food for thought.