At least, the fundamental principles of it that have been around for decades have not changed. 

In many cases, lenders focus primarily on the deal fundamentals equity, ARV, cash flow, and exit strategy—rather than immigration status.

In Canada, terms are shorter (usually 5 years) with 25–30 year amortizations.Probate:Rules differ by state in the U.S. and by province in Canada, but in general probate fees are lower in Canada.So while the fundamentals of buying/selling and cash flow analysis apply everywhere, the tax and financing landscape is quite different.In the US one of the best ways to get started in “house hacking” Bp has a lot of information on this: House Hacking: What Is It, How to Start, and Strategies for SuccessI specialize in helping people here in the Treasure Valley leverage creative financing strategies to start building wealth through real estate.

Expect to pay a fair price (if not a marginal premium) as the fundamental economics are: supply and demand.

I moved here from Portland in 2020 to invest and now own 10+ rentals, and what makes it so strong is the combination of affordability and growth—you can still find 3 bed 2 bath homes in that $120–180K range that hit the 1% rule, cash flow well, and are backed by huge long-term fundamentals with population growth, job growth, and major companies like Intel, Amazon, Google, Honda, and Microsoft moving in.

Learn the fundamentals: Keep reading, listening to podcasts, and watching videos about multifamily and industrial investing.

Markets lacking policy frameworks or political will to embrace change risk being left behind.For real estate professionals, this isn't another market cycle—it's a fundamental reshaping of American urban development.

I think if you take a listen to some of the shows coming out over the next few weeks, you'll see that we're focusing on the fundamentals, great guests, and sound, responsible advice.As you listen -- please give me feedback!

Your primary trade-off is now clear:Access Equity Now: Accept the $1,400/yr tax increase and the other tax consequences (like your dad's depreciation recapture bill) to get the DSCR loan now.Maximize Future Wealth: Leave the property in your dad's name, avoid the tax hike, and preserve the massive benefit of a stepped-up basis upon inheritance.The other tax questions (gift tax, depreciation, etc.) are important, but they are secondary to this fundamental Prop 19 reality.My immediate advice is to model whether the deal still makes financial sense with the higher property tax expense.

From my experience, it doesn’t feel oversaturated in the sense that deals are gone—it’s more that investors are waking up to the fundamentals here.