I am planning to create a business on other sector as well and taking a W-2 will distract me from it. 

And I'm not going to start working as a sales clerk at Forever 21 which might pay a few cents more than minimum wage but since I have no experience in retail, I'd probably still start at minimum wage.I'd rather keep looking for work in corporate, government and the nonprofit sectors where I have years of experience and can expect a salary that factors in my experience.

Cap rates are really low too as lots of investors are chasing that sector.200,000/ 3,500,000 assuming this portfolio is paid off with no mortgages then about 5.7% annual return for active investing which isn't that great.

Completely unloved sector right now. 

Real estate is probably the only sector doing well.

Small businesses account for 99.7% of ALL businesses in the country and employ around 49.2% of ALL private sector employees.

Otherwise I'd say to set it for a 30 year schedule and pay extra at your leisure if you insist on paying it down! 

I have been working in the finance sector for the past two years and was being involved in a few real estate deals.

I don't plan on ever holding or mortgaging the property especially since it won't cashflow.In my this sounds like a pretty straightforward play given the steady growth of the area's tech sector which I believe will actually be accelerated given a lot of tech companies are looking to open satelite offices in Canada due to the encouraging adoption of remote work, cheaper and abundant tech talent and uncertainty of american immigration causing a lot talent to move to Canada.The biggest risk I see is whether or not the specific property I buy will be in demand in 3 years:Who are the demographics that will actually be buying homes… not the 22-24 year old coming out of school and working at a tech companies but perhaps the late 20s to 30s folks who are settling with a partner and kids.

The non-qm sector has rebounded nicely since the market freezing.