You also have 4 major banks in Canada that are heavily regulated unlike in the U.S where there are dozens, upon dozens of banks and options to consumers.

We are trying to think outside the box with postcards, yellow letters and randomly driving around looking for vacant run-down properties but that is time consuming and not terribly productive to date. 

From the California Tenants—A Guide to Residential Tenants’ and Landlords’ Rights and Responsibilities written by the Department of Consumer Affairs’ Legal Affairs Division:Late fees and dishonored check fees A rental agreement cannot include a predetermined late fee.

If more are people are added to put out the same supply '' for example:  push paper around  (like state and federal regulations) , there is nothing tangible to buy for their effortsWhat is an economy worth if it does not produce something you (the consumer or business) want are ready pay for?

Consumers are actually pushing back against a lot of the automation -- for example we now have the ability to bypass asking you for any bank statements at all.

After consuming every piece of info I can get my hands on, I think I’ve got my strategy figured out.

Build good credit, pay down consumer debt, increase savings as much as feasible.

I’ve been through the handbook a few times.

So the landlord may be liable for both criminal prosecution, and for civil consumer protection act violations.It surprises a lot of people at BP, but I actually make a hobby of renting out legally abandoned properties that I do not own, and do not have the owner's permission to use (they are usually unlivable -but still rentable). 

They are very time consuming, drawn out and overly complicated.