In our town the tenant will be chased for unpaid electricity, natural gas and telecommunication services.

In Michigan, they have discovered huge pockets of natural gas two miles down.

Placing the blame on the stated income loan products is like saying a vicious dog is at fault for biting someone, when really it’s the abusive owner of the dog who is at fault.

I'm trying to do some pre-work so the $ I spend on my time with the CPA is as productive as possible.

So the 401k loan amount would be for $21,100.Naturally I would be under 78% in month 127.

If you borrow these from two sources, there would naturally be two mortgages; a first and a second.

I can totally see someday "Flipping" myself my dream house since I would probably love the deal as much as the final product

I did not see your above post before the thread slipped from my screen (and mind).You can have a Self-Directed TFSA, just like you can have a Self-Directed RRSP.You can write private notes and mortgages in your self-directed RRSP - there are rules around the percentage of your holdings and the arms-length nature of the mortgage ... then there is the trouble of getting your plan holder to play along.My initial research on Self-directed TFSAs seems to indicate you should be able to do something similar.

I used to use a product that would be suitable for the food industry or healthcare industry but found that it doesn't always work with the infestations that you would find in a long-time vacant property.I have since been using a product called Termidor(no relation to them in any way) and have been very satisfied with it.

You should also be able to secure a rate below 3.0% if you are willing to go with a 5-yr term variable rate product.