Unless contractors contract has a specific time of completion, you will most likely not get anything...remind the contractor of future work possibilities!

I need to buy one property before the end of the year and 4-5 next year and right now I cant find the one.... so like I said, there are a lot of assumptions, probably the biggest is property availability which meets your investment criteria. 

From the lessons learned on my first property, it took me forever to purchase the second property because I had a very specific criteria while relying on only 1 source for deals (MLS).

Send me a PM and I can help you with more specifics.

I work out of Vaughan with a specific focus in Vaughan, Kleinburg and few pockets in Toronto.

In my opinion that is the best way to go especially early on because they will do deals that larger banks will not by underwriting based on character as well as the other criteria.

ITIN's have been and are used to extend credit and are very specifically designed for foreign nationals to use in place of an SSN.

If you want I would be happy to dig into the specifics with you and provide you some advice.  

What kind of specific course was it? 

This may not be feasible without more specifics on my taxes but perhaps a rough formula on how I could figure it out.My basic thought process with the math would be the following:For every extra $1.50 I make above $100k (but below $150k); I lose $0.75 I can write off.So here is where my knowledge really breaks down (if it hasn't already unbeknownst to me).So for every $0.75 I lose the ability to write off as a passive loss; will this cost me $0.75 or will it cost me $0.75 times my marginal tax bracket of 28%, which would be $0.75 x 0.28 = $0.21And if it cost me $0.21 per $0.75 and therefore $0.41 per $1.5, that would basically bring my OT down from 1.5x base pay to roughly 1.1x base pay?