Why offer concessions to someone that (a) may not need it, and (b) has access to free money from the stimulus? 

The level of sophistication in equities is very high, many more variables at play and plenty of smart highly educated brains are chasing that asset class vis a vis Real estate.

Several in 'sketchy, I won't go there' areas, others in B+ areas. 

I’m looking for a buy and hold B/C grade rental (16+ units) with good cash flow.

. - A, B, and C Buyers. 

RBC as mentioned has options which is the closest arms reach.. other lenders for us Canadians will be charging you fees similar to B lenders in Canada..We canadians have been spoiled with A lender fees which is essentially 0..

What factors should be considered when deciding whether to use a rent-by-room strategy for an SFR or just renting the whole property out to a single tenant/family? Also, how does the location of the property play into...

b) I've found a few of these properties and the numbers are looking promising, but if I need get a fire damage restoration company, rather than a regular construction/rehab contractor, I'm afraid that my rehab costs will shoot to the roof..is that a valid concern?

@Andrew B. that's my mistake.

B.