So he will be helpful too. yes I have read about the loan “difficulties” as a foreigner.

I am currently a senior in high school and thought the extra cash flow from a rental property would really help me out once I get to college.

This sounds like a lot of churning and extra expenses and paperwork for a relatively small benefit.

My recommendation would be to as why these particular extra steps are required so you can understand the logic driving the advisor's recommendation.

For example I asked about opportunities within each company for extra streams of income in order to start planning for retirement right away.

With traditional lending you have a couple options.1. 2 mortgages a traditional 20% down mortgage with a second mortgage to cover the 10% extra you need. 

So I'm just gonna go ahead and ask if anyone is looking for an extra pair of hands or another brain to help them with their flips.Im 23, from Toronto.

Especially when I don’t have a lot of space on an ad for extra info.

You buy the duplex at duplex cost, put $100K into ADU conversion, and now that extra unit will sell for retail price, depending on the area that additional unit will be worth $150-$200K. 

Bank fees also matter, the #1 retail mortgage bank in the country advertises rates with about 2 points in junk fees ($10k in extra fees on a $500k loan on top of normal closing costs).