That's how long I think it's going to take before some people start to realize that they need to listen to individuals in lab coats with things like "MS, MD, PhD Virology, Immunology, Epidemiology, Public Health" after their names instead of grifters and con artists.

However bc I am the owner, in NY, I am liable for the PMs actions (or inaction) and if there was any negligence or harm to the young baby that is what I am concerned about and they could claim anything in that regard bc it is a vulnerable class.  

Most businesses have no more than 30 days of cash saved, and most individuals have less than that.

This cannot be argued.This is clearly political nonsense where some politicians are willing to harm their jurisdictions for votes. 

We have several repeat investors and several first-time investors and we do ask them individually what they've invested in before. 

I remember when I got mine a few years back and very soon after was very fortunate to be able to secure my first home :)I, personally, would pick between options 1 and 3.Option 1:Pros: You'll have a bigger space that you can eventually redeem for yourself if you ever need it, and allows you to ease into investing by house hacking.It might be easier to get financing for another place in the future if you already have a lease in place for the current location and can show that rental income already coming inCons: Only the portion that you live in could be looked at by CRA as a primary residence and if you do sell at some point, you'd be liable for the capital gains tax on the part that was being rented out (https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/personal-income/line-127-capital-gains/principal-residence-other-real-estate/changes-use/changing-part-your-principal-residence-a-rental-business-property.html)Option 3:Pros:Allows you to have your own space, and understand the nuances of condo living prior to getting a second condominium propertyAllows you to experience some condo living as well as be able to save up waiting for the pre-construction property to closeCons:HST on the pre-construction property (Unless you decide to move into it when it's done)

We would love to connect with local individuals who are in the real estate market in Tampa.

I would check your 1031 list of individuals who need to place cash quickly.

Banks are where the money is created and they are all run by people who have to make individual decisions about  their own risk tolerance, so it may or may not encourage banks to make more loans.This is a bigger response from the fed than the 08 crisis and all in a very short time period.

Thanks,CB With this type of layout would adjusting the HVAC to each individual unit be convenient when dividing?