@Damon Gainey, I think your maintenance/repair and CapEx percentages may be a bit low for a house built in 1916.

Im about to take my percentage to 30% of my check to my retirement fund from work to shift into investing in real estate.

So as I'm currently living in the property, I understand that I could potentially get a higher percentage loan (80-95%), than if I moved out and it was a pure investment property (75%).

But tbh, with a $40k loan, the fees just become a pretty hight percentage so I would think twice if that is worth it or not.

Statistically, the percentage of distressed sales is below 3% nationally.  

First, don't measure your success using percentages...they tell you nothing of value and can be very misleading to the point of lying to you. 

You therefore own more real estate and are able to deduct some costs on your taxes (either as a percentage of occupancy or by splitting expenses related to the building vs your unit).It's not for everyone because it does mean you'll have to invest some sweat equity unless you intend on servicing out the landlording.If you're looking for maximum yield per dollar invested, look toward Mercier/Pointe-aux-trembles or similar areas where the properties can be 1/2 or 1/3 of the price of a comparable building/land in the Plateau or Villeray.

Is the data of the percentage affected applicable in CA only?

To be clear, the links that I shared above compare livability, cost of living, crime rates, real estate prices, numbers of people, percentage of families, school ratings, etc. and it is for that purpose that I share the links.My thoughts have been like this, being military:  There is one General or Colonel on a base or post. 

https://www.nmhc.org/news/press-release/2020/nmhc-rent-payment-tracker-finds-79-percent-of-apartment-households-paid-rent-as-of-august-6/"This is a 1.9-percentage point, or 223,000-household decrease from the share who paid rent through August 6, 2019 and compares to 77.4 percent that had paid by July 6, 2020.