During this second stage, I lay down expectations.After my selection, I draft the lease using Avail's software, you just click on the applicant and Avail does the rest. 

20% down and the rest on Loan. slowly paid it off.

Both are planning to move in and have met with local officials.

Some folks live in 30/40% of their take home and invest the rest -- risky, sure, but if that pays off they might be able to retire early.I think a good way to be able to see if you can retire early is to reduce your expenses as much as possible.

The rest you can plan around and mitigate. 

For the most part, for the rest you just have to use common sense to judge if a concept is valid for the Canadian market or not.

Let them know clearly, in writing, what you will address and why you are isolating these issues from the rest of their complaints.

Victor,The official minimum of FHA loans—as set out by the Department of Housing and Urban Development—is actually 580.

@Jonathan R McLaughlin and the rest of the team, thank you so much for your valuable input!! 

Then do a 1031 exchange with the rest.