Someone can correct me if I'm wrong, but if you don't have $200K ready right now and access to $800K in loans (traditional or private), then you'll have a hard time getting into the Toronto Market.Hamilton is the closest, most affordable market going west ($60K down, $240k mortgage, on MLS).

The rest of my deals were traditional lenders.

Have only bought traditionally and found a property for auction that I'm quite interested in.

They are all slapped with a higher property tax rate compare to what owner was paying in previous years.

I’ve been trying to get a feel for the market and would love to know current inventory levels compared to this time last year and average days on market per property.

Depending on your strategy and the overall condition of the home you may qualify for traditional financing if you find the right place.

There is the traditional office building with some medical in it.

Those lending programs will usually offer lower raters and longer terms, but are also more expensive to obtain when compared to commercial lending.  

Your accountant will be able to look over the information for all your combined assets, your combined income and compare that to your goals and advise you on the best course of action. 

If you are not sure you have enough cash on hand, work with your lender to confirm you will look good to the bank before the bank reviews your application.Your Debt-to-Income RatioAlso on the topic of money: the bank will look at how much money you bring in, and compare that to the amount of debt you currently carry.