Hello, I am so excited to say that I just update my profile to remove me as a medical biller and that I am now a licensed REALTOR.  

Also, tell me anything we could do to improve our chances.

5 seconds into that report Claude just emtnioned;"The Ontario government will spend $31.5 billion over the next 10 years to improve transit, transportation and other priority infrastructure projects.

Also, if you have a 401k you can borrow up to 50% of it's value from yourself, pay yourself the interest and get a 5 year loan on that while you improve your credit.Another option is doing what's called a 60 day IRA loan.  

Is that based on an appraisal with your improvements factored in?

I have been actively acquiring Notes for passive cash flow since that time.I like the the passive nature, the safety and the cash flow that I receive from Performing Mortgage Notes.I upgraded to BP Pro & upgraded my profile.

Mostly, these buildings are well maintained and many investors see this as a “value-add” investment opportunity because through renovation and common area improvements, the property can be upgraded to Class A or a Class B+.

A landlord may end up needing to put in $2 per square foot of leased space in improvements to get a space leased.

Once the purchase of the home is closed, renovation funds are held in escrow to pay for pre-determined renovation work done by approved renovation contractors.The purchase of a house that needs repair is often a catch-22 situation, because the bank won't lend the money to buy the house until the repairs are complete, and the repairs can't be done until the house has been purchased.HUD's 203(k) program can help you overcome this obstacle by enabling you to borrow funds for the purchase or refinance of a property plus the cost of making the repairs and improvements in one mortgage.

Its great to see that you dont let your personal circumstances prevent you from trying to improve yourself.