Common criteria may include, but is not limited to location, prices, property type, size of the property, or age of the property.

What advice would you give to younger self? 

My interest payment on a mortgage is over $1000 a month, how do I include these savings in my CoCR or overall investing strategy?

This 50k doesn’t include the interest on the principle over the 9 year period.

So altogether,  I spent $60k on maintenance on the 3 duplexes,  that includes appliances, windows, and even a roof replacement.

. $100k down payment.Repair costs: Est: $88,000 Budget: $106,000Roof/gutter repair, landscaping, parking lot repair, electrical repair, Interior work including bathrooms, drywall, mold remediation.After repair value: $900,000The plan is to do a 50% cash-out refinance.

Let's focus on Vancouver, which I know better and I suspect Singapore is a similar story for what I know about it.I don't know any Canadian investor in wealth building mode who'd want to invest in Vancouver, including those who live there.

Then you either buy other properties or put the extra money into other types of investment vehicles, such as S&P 500 or treasury bills or whatever.Now, if the $1 million is in a retirement account then you move it into a self-directed IRA and let your IRA buy the property.

Plenty of pro's including easy qualification, low documents required for underwriting/processing, and just overall convenience + turnaround time, among other nuances that make it a great loan product.

But that 20k in loss if I could take it lowers my taxable income by 20k which including federal/state/self employment tax would be a savings of around 30% or $6000 tax savings per year.