Another question, which I'm pretty sure I already know the answer to, will a bank even lend to me for a property like this?

@Christopher PhillipsSo all the money you own in rental properties, goes in your Income bank account?

Hey all, new member here.Doing BRRRR in Ontario, have four small multi-family (2 duplex and 2 triplex) so far.It looks like I'm going to run into an issue with getting bank mortgages soon.

You have the bank approval for your financing. 

The wrong kind of seller financing (where you don't own it until you pay it off) is way worse than a bank loan.  

I have worked in investment banking, private debt, commercial banking, and private equity all at “prestigious” firms and closed $30bn+ worth of deals.

I can buy a piece of property and my spouse should be able to do the same regardless if we are married was my understanding. 1) I want to buy an investment property with my va loan (yes I know I have to occupy the property for up to 6 months to a year) 2) She wants to buy a house with hersI went through my same mortgage company where I bought my previous property and he said it would be hard to explain that to the lenders since you guys aren’t getting divorced or separated... so I’m just a little confused as to why that would matter if we both are entitled to a va loan separately?

I just would like to know if I will be wasting time to save a few dollars by shopping around or if it is really worth it to bring my business elsewhere.I have great credit (750+) and enough money in the bank to do this deal in cash, if that makes a difference.Thank you so, so much for your time!

They can choose to leave the house to one of you, both of you, or someone else, or  there may be nothing  left so don't bank on that. 

In the last recession, did any of you guys have a 1st lien equity line of credit that was frozen due to the credit tightening from the banks?