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My post is saying you can't do it without familial wealth and then you say it's easy to borrow $60,000 from friend and family?
What do you think that means? You're also forgetting about strata fees, insurance and property taxes so throw your $48k annual out the window. So stupid man.
No shit mortgage payments are cheaper than rent, nobody in the history of property ownership would ever rent something out if rent was less than morgage ya goof. Getting the property and qualifying for the mortgage are the parts hardly anybody can do alone anymore.
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