I`m trying to access more equity out of a very good cash flowing property. I originly put down 20%, 3 years ago, and the market is still lower than what I paid for it.. argh Edmonton... I figure it`s getting close to 20% equity again, but I`d like to keep it and pull out up to 90% value. The loan is non-cmhc insured because I originally put 20% down. What are my options? Can I get a 2nd mortgage and only pay cmhc insurance on the difference, the extra 10%..? Or do I have to pay the insurance on the total 90%..? Do I have to go and get a private 2nd mortgage, and pay huge fees and rates? What are my options to accessing this 10% equity at a low cost?