Our loan officer at a well known commercial bank tells us that we need 6 months of reserves for each mortgage after the 4th house to be approved for a fifth mortgage.  

Well I bought an office in a condominium - The tenant decided to stay  and I really like the fact that  the condo takes care of the outside and all I have to take care is the bathroom ( there is no kitchen )  - So unless the toilet breaks it is maintenance free.

yes I believe he has, hes coming to my office on the 19th I can double check for ya.

call your titles officer too that could be very helpful

Towns near malls or train stations etc or neighborhood with mostly blue collar workers?

That means that if you owned a few stores along Yonge Street with some offices or apartments above, you were in luck, because the government had just declared that you could build 20, 30, or 40 stories instead of two, three, or four.

I would be happy to share the contact information for one of the local TD loan officers.

Does the landlord have an office by chance?

The construction cost has been soaring in the last 3 years in the Bay area (I work in the corporate construction industry and our project management office is forecasting 10% fee escalation in all of the MEP trades in this year).

Then you could sell the lot, or try to get that 1 lot rezoned into office (or commercial, but I doubt it will fly).House:  man, that thing is so full of ugly tile.