Kicking out the guys who make too much noise, dump fluids, park excess trucks, leave trash, empty beer bottles, yep. its a lot of fun!

We need to be able to cut through the BS and fear mongering and look at facts and data.And when you analyze the data it becomes obvious, there's far less risk in the Colombian market than the US market.As an example:  Let's consider the main component of risk in a RE market...excessive credit. 

Fees from broker dealers are excessive in the 15-20% range. 

I'm not seeing the difficulty unless you're ending up with excess equity that will end up in your pocket.  

If you invest this money in the stock or bond market and rates increase to this level, you will get pummeled.A contingency plan would be to make sure you purchase a cash flowing property and if interest rate increases outpace rent increases, put your excess cash flow towards debt repayment during the fixed period to reduce your exposure (within prepayment penalty limits).Regarding non-bank financing, I believe that starts at $1 million and up from there but not certain.

My goal when planning for the next tax year is to get Line 22 as close to (or over, but not excessively) the maximum ($89,250 in my case) as possible.

If you are done with work then you need to first provide for your future and then after that is secure you can invest if you have any excess money.  

If you have a large excess of capital and the 20-25 year payback makes sense then it may be a good idea.

The clincher is the excess proceeds from the toy fund I will be getting each year.I am prepared to take down the entire investment myself.

So doubling your premium seems pretty excessive to me.They'll also ding you if the property sits unoccupied for an extended period of time.