However, that will likely lead to increased turnover and increased vacancy time in between tenants.

Also, private provider plan review is an option and reduces the lead time for getting a permit.You can check the status of your permit applications using the City of Cape Coral web portal, link below.https://energovweb.capecoral.gov/EnerGovProd/selfservice#/ho...  

The ads probably relate to a well known GURU on YouTube who convinces people to spend $12,000 to join his "community" and to send him leads.

The problem is, that's not proper accounting because a credit card is a liability, and doing this workaround will reduce your assets rather than increase your liabilities, which totally messes up your balance sheet and debt-to-income ratios.  

This leads to state funded insurance which will be very costly because only those at highest risk will participate in it and if the losses continue, they eventually will need to get the money from someone (rest of people in california?) 

Sub-to is an army of poor ignorant being lead by a handful of savvy opportunists.

That is the issue I am having now as my wife and I have great paying jobs and just cleared all our debt.

Too much bad debt 😅 kind of a joke3.

I'm not sure if any also lend in Canada, but you might want to expand your search to include "non-recourse" just in case it leads to some more options for you.

In this case even if the project went south and you broke even or even lost money, the equity (debt) you used would still be covered by the income you are earning on the rental property.