Someone who would be abel to defend you if his advise is wrong. 

No need to defend yourself, @Jennifer T.

The State ordinance states that residents can defend against eviction in an unlawful detainer if their rent debt accrued during and because of the COVID-19 pandemic continues to remain unpaid “because of a substantial reduction in household income or substantial increases in expenses.”Under Oakland’s ordinance, even if residents can’t pay rent due from now until May 31 for months or years into the future, they still can’t be evicted for non-payment of that back rent if their non-payment is due to the COVID-19 pandemic.Unlawful detainer cases have already been suspended statewide until May state-wide.Comments?

I know there is a book called “the rrsp secret: defend and build wealth”.

Write to your MLA or to Steve Clark (Minister of Municipal Affairs and Housing).

That has been my experience as long as you have a 1.25% or higher DSCR.I would defiantly use the bigger pockets rental property calculator and show the results to the bank, sometimes they can be stubborn on values as well but this is something you can come with accurate comps from an agent and your own personal financial pro forma of the property.Also, don't take the banks appraiser at face value, you may have to defend your position against one and it helps having the numbers in hand...Good Luck!

Furthermore, Texas does NOT recognize Dual Agency.When this transaction went South, the Agent and Brokerage really disclosed (by action) who they truly represented by reverting to solely defending and trying to advance the Seller's interest, to the negation of any consideration of the Buyer - who they also purported to represent. 

If someone is defending this joker than you know who to run from.

Can you defend your claim of "combative and threatening"? 

They are encouraging landlords to write/submit letters to Premier Higgs and Minister Steeves expressing any concerns you may have with this budget proposal.