I am a fan of backwards planning.  

It was very nice...but I'm not a big city guy, and I am not a fan of wandering around Detroit. 

Install cabinets.Installing ceiling fan light.Install dome/flush light.New faucet, install faucet.Carpet (lowes whole house install).

For example, ceiling fans in the master bedroom and family room, improving the curb appeal and the front entrance area, fresh paint, etc.

I've never been a fan of the 9-5 thing and I'm only doing it now because of my children.

Here's the transcript if anyone is interested. http://www.npr.org/2014/10/09/354846672/bad-paper-explores-the-underworld-of-debt-collection I didn't know there was a Global Debt Registry (http://www.globaldebtregistry.com/)  and Debt Lookup (https://debtlookup.com/home/lookup ).

.- water leak from bath tub- dryer didn't vent properly- stove range ventilator is not ventilating- bath fan work, but the fan spin very weakBelieve me, every single visit, I have to pay $60, they came in and check the issue, give me a report, and then, tell me, "oh, it's not covered by the warranty".So, $450+$240. and NOT a single thing being fixed. 

HI Michael,Being in the position I am in I believe the reason for investors who hit this so called "wall," is because they focus on acquisition of assets not focusing on what the bank focuses on which is a the personal financial statement.If an investor can optimize their assets, liabilities, equity, and cash flow then they can get as much money from banks as they want.Lenders in the 10+ space generally look at debt service coverage ratio for the property, global debt coverage ratio, and net worth.Example:Global debt coverage ratio -  passive income $10,000 per month versus all expenses and net liabilities $2500  =  4.0x cash flowIf a borrower had a high global cash flow  and a high net worth then getting loans is easy the problem is most REI's dont focus on designing their PFS ahead of the actual financing need. 

I am not a big fan of playing games during negotiations, but unfortunately it is part of the game. 

thanks for your help :) Joshua:If you go searching the CRA website for the ITBs and interpretations around Purchase Options / Lease Options and Instalment Sales, you will find they're not fans of the term "Rent-to-Own" and it often serves as a flag for "instalment sale".The CRA interpretations are similar to what Bill Gulley and others have written on BP with respect to safe/correct practices in the U.S.A., though perhaps not quite as strict.