We’ve talked to a couple Saskatoon realtors and are active on their listings, but are still unsure if we are making the right choice. 

I still have faith that using leverage in the multifamily space is a safe bet.

I wish them the best of luck, but I'll bet the execution of that business plans goes sideways and in then end the proforma gets trashed. 

Your worst-case scenario (not specific to MA) would be having to sue to get them out as a holdover, but this is really reserved for worst-choice scenarios when owners choose the first renter or don't do any due diligence.

It's a cost-saving up front and lasts longer than many other choices. 

Analyze each city's rental demand, property prices, and your personal goals to make the best choice.

Quote from @Brett Jurgens: @Jay HurstThanks for responding3.75%, 30yr fixedLike others have said, with that interest rate your best bet is probably to do a home equity line of credit (HELOC) to put towards an investment that you can quickly recoup your initial investment on.

My son just joined the Navy and now that I’m an empty nester I want to make a shift and bet on myself!

If you’re looking for speed, flexibility, and a customized solution for your investment, private money lending is a great choice, even if the interest rate is higher.

I'm sure there are other similar services out there. 2) DSCR loans would probably be your best bet.