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    CMHC Rules on Rentals Explained

    CHMC Rules explained April 14, 2010 To: Mortgage Brokers FROM: CMHC Re: Clarification of CMHC’s Total Debt Service (TDS) Ratio Formula On February 16, 2010, CMHC announced changes to the treatment of rental income when calculating a borrower’s total debt service ratio (TDS) for mortgage...
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    Additional lenders condition may jeopardize deposits

    Thanks for the update Godfried.Conrad. QUOTE (gwasser @ Mar 19 2010, 07:34 PM) LENDER’S CONDITION ALERT Lender’s Condition HEADS UP It has come to AREA’s attention that some lenders may be adding a lender’s condition for review and approval of condo docs by the “insurer” before they...
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    RBC Provincial Report

    On Tiger Woods, I would say he is not the problem but the media is. He was just playing his game and the media went wild. He was a human and is still a human. We can`t put all the blame on him for how the media projected him. If we were to know what happens in the private lives of those who...
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    Any recommendation for Webdesigner/Developer ?

    Thank you all for your recommendations. I am following up on them. Conrad.
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    Any recommendation for Webdesigner/Developer ?

    Anyone knows a webdesigner or developer to recommend ? I am in the process of putting up a website and need help. Thanks. Conrad
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    Easy credit, soaring prices raise new housing fears

    Here is an interesting artcle:.Easy credit, soaring prices raise new housing fears
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    What you might not know about this Continent

    Unless you have been there or seen this video you might think Africa is as worse as portrayed by the media. Check this
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    Good tenant wants out of lease

    QUOTE (EdRenkema @ Aug 1 2009, 08:40 PM) I`ve posted on this problem before but nobody seems to know how to deal with it, its kind of a long story, I`ll try to abreviate.I purchased an end unit condo August 08, extensive renos with associated headaches and total 5 months vacancy to place...
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    Red Deer Stats

    Thanks for posting. Those are strong indices.
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    Calgary Ring Road still Elusive, Half a Century Later

    QUOTE (Ally @ Jul 2 2009, 09:07 AM) So, it has come to this. After 51 years of delays, stalls and failed negotiations, Calgary is still without the complete ring road that is so crucial to its transportation network. The shocking failure of the Tsuu T`ina Nation to endorse the vital southwest...
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    Any recommendation for a good Plumber in Calgary

    I am looking for a good plumber that any REIN member had used and or using that does an excellent job. I need a work to be done on an aerator and replace a broken sink. Any recommendation would be appreciated. Thanks. Conrad.
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    Life`s crossroads

    QUOTE (BenSanderson @ May 11 2009, 01:45 PM) Hi Greg and Dan, Thanks for the helpful advice! To clarify a bit further... I`m in Cambridge, Ontario (which I now understand is a great place to invest!) I am a fairly handy person and can work on small to medium renovations myself. Honestly, I...
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    Bank of Canada Cuts Interest Rate to Lowest Level Practically Possible

    QUOTE (mortgageman @ Apr 21 2009, 09:36 AM) The key point in today`s announcement is not the actual rate cut but the indication by the Bank of Canada that they`re prepared to keep rates this low for a sustained period of time. That should make anyone with a variable rate mortgage or a HELOC...
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    Property expenses

    QUOTE (invst4profit @ Apr 9 2009, 02:19 PM) Brett you are operating on a entirely different level. I believe they are being very realistic. The 50% rule is a good evaluation process especially for the novice. I have used it to do preliminary filtering for the purpose of eliminating the obvious...
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    Looking for a Calgary RE Lawyer

    QUOTE (JaysonSidhu @ Apr 3 2009, 09:45 PM) Many of my clients work with Chris HorvathName : Pefanis Horvath Lawyr Address : 550 11 Ave SW, Calgary AB Zip/Postcode : T2R Phone : 403-444-5879 Hi Jayson, What`s up with your property management division? Have been reading complains on site here...
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    A Prayer especially for Real Estate Investors

    Nice to know there are Pastors here on the forum. Conrad.
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    One Spouse or the Other Claiming Rental Properties On Income Tax

    Hi Navaz, Can a spouse not on title claim income and capital gain from the property that the other spouse is the only one on title and mortgage?
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    Fixed or Variable?

    QUOTE (greg12 @ Mar 26 2009, 11:00 PM) I saw a 3 year fixed rate at 3.89%. This means it will come up for renewal in the US election year - when interest rates are usually low. Then you can renew into another 4-year term to correspond with the next election year. Just a thought if you are...
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    A Prayer especially for Real Estate Investors

    QUOTE (thomasbeyer2000 @ Mar 20 2009, 09:19 AM) Here`s the prayer I used in my REIN presentation Monday and Tuesday in Calgary and Edmonton March 16/17. I had a few requests since it did not make it onto the slides. I thought this one was especially useful for real estate investors !! Be on your...
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    Can spouse be on Title without being on the Mortgage ?

    This question may sound vague but I am asking so as to be sure. For an investment property can a spouse be on title without being on the Mortgage? What are the rules? Thanks. Conrad.
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