Recently, I've encountered startups and companies offering quick EMD financing at high interest rates (around 3-5% per month).

What if you are trying to scam someone?

Part of the problem we are encountering right now is people have not and therefore those over inflated values are now the norm.

It sounds like you've encountered a common issue with mortgage servicers when trying to transfer a property to an LLC.

Each person further down the line hoping they can scam their way in to get paid, and actually having zero idea who the actual contract holder is or who the seller is. 

My personal interest is in rental property investment. how much minimum income needed to start real estate investing in British Columbia, Vancouver or Alberta, Calgary region. with current affordability I can only purchase one 2 bed condo. with current rental market its not possible to generate +ve cash flow with even 20% Downpayment. curious how people are making money or is this just real estate scam to sell properties? 

And the community calling out the BS specifically.There was a guy recently in these forums that I am as sure of anything in my life was scamming or doing something underhanded.

Real estate can be an excellent investment, but ensuring you can comfortably manage the payments is vital, even if you encounter negative cash flow periods.

It's scam.

Search the BP for ADU appraisals to encounter numerous examples.