Halifax's real estate market has its own quirks and opportunities. In this post, I'll walk you through how to adapt the popular BRRRR method (Buy, Renovate, Rent, Refinance, Repeat) to Halifax and the HRM, with local insights on costs, permits, and financing.
Brand Note: Helio Urban Development is a local expert in ROI-focused construction (fixed-price at $168/sq.ft) and development in Nova Scotia. We're here to help Halifax investors succeed at every step of their BRRRR journey!
Before we dive into local specifics, let's recap BRRRR. BRRRR stands for Buy, Renovate, Rent, Refinance, Repeat – a real estate investment strategy where you:
This method turns a single property into a stepping stone for building a portfolio. The goal is to force appreciation (through improvements) and extract capital to reinvest, all while holding a cash-flowing rental. Sounds great, right? But how does it play out in Halifax, Nova Scotia's unique market? Let's see why our region is well-suited – and how to navigate the nuances.
Halifax Regional Municipality (HRM) offers a promising backdrop for BRRRR investors. Here's why doing a "BRRRR Nova Scotia" style can make sense:
Halifax's home prices are still reasonable compared to larger Canadian cities, yet they've seen strong growth. The average home price in Halifax was around $550,000 in 2023 – more than double the 2014 average. This growth (about 8% annually over a decade) means well-chosen properties here can appreciate nicely, boosting your refinance potential.
The rental market in Halifax is red hot. Vacancy rates have been at record lows (~1.0% from 2021 through 2023). Even with new apartments being built, demand remains high. In 2023, Halifax's apartment vacancy was just 1% – effectively full occupancy – which has put upward pressure on rents. For BRRRR, this low vacancy is gold: it's easier to find tenants and command solid rents when you finish your rehab.
With so many people moving to HRM for work, school, and lifestyle, rents have climbed quickly. The average monthly rent for an apartment in Halifax hit about $1,538 in 2023 (and even higher for new or updated units). High rents relative to purchase prices mean many properties here can cash flow (rental income covers expenses) – a crucial factor for BRRRR success.
Investor-Friendly Size: Halifax is big enough to have diverse neighborhoods and lots of sales comparables (helpful for appraisals when you refinance), but small enough that there are still undervalued pockets. There's less frenzied bidding wars than Toronto or Vancouver, so savvy investors can find deals in need of TLC. Areas like Spryfield, Fairview, or Dartmouth East, for example, often have older homes or duplexes at prices that leave room for improvement.
Local Incentives: Nova Scotia's government is encouraging adding rental units. For instance, there's a Secondary Suite Incentive Program offering forgivable loans up to $40,000 to create an affordable secondary unit. If you plan to add a basement apartment for rental, programs like this could offset renovation costs. There are also energy efficiency rebates (e.g. rebates for heat pumps or insulation through Efficiency Nova Scotia) that can save you thousands during a rehab. Taking advantage of these can improve your ROI and make refinancing easier (banks love when utility costs are lower and upgrades are done to code).
In short, Halifax's growing population and tight rental market create an ideal scenario for BRRRR: you can buy at a reasonable cost, add value, and be confident that renters are waiting. Now, let's break down each BRRRR step with an HRM twist.
Every successful BRRRR starts with a smart purchase. In Halifax, that means looking for properties with potential and understanding local buying conditions.
Aim for properties that are undervalued or need work. In HRM, this could be an older detached home in an up-and-coming neighborhood, a dated condo or townhouse, or a small multi-unit (duplex/triplex) with below-market rents. Key things to look for:
Local Buying Tips: Work with a Realtor who knows investment properties. Halifax has many realtors, but a handful specialize in income properties. They can help spot a deal and navigate things like tenant arrangements if a property is being sold occupied.
Mind the taxes: Nova Scotia charges a deed transfer tax (around 1.5% in HRM) on the purchase price, due at closing. Factor this into your upfront costs – it's a few thousand dollars on a $300k-$400k purchase. (It won't affect your BRRRR math long-term, but you need that cash to close.)
Property inspection is a must. Many Halifax homes are old – we're talking early 1900s on the Peninsula or 1950s-70s in suburbs. An inspection might reveal issues like knob-and-tube wiring or an old oil furnace. You want to know these before finalizing the deal, as they'll impact your reno budget. Some older homes may also have no insulation (common in very old Halifax houses) or require foundation repairs – all doable, but negotiate the price accordingly.
Seasonality: The market in Halifax can be seasonal. Spring often sees more listings and competition. If you hunt in late fall or winter, you might snag a better price as fewer buyers brave the cold – plus you can schedule renovations over winter so the unit is ready for the busy rental season by spring/summer. Keep an eye on interest rates too; higher rates might mean less competition from homebuyers, which can benefit investors with financing in hand.
Pro Tip: Calculate your after-renovation value (ARV) before you buy. Look at recent sales of similar renovated homes in the same area. For example, if you're eyeing a duplex in Dartmouth that you can fix up into top shape, see what updated duplexes have sold for nearby. If purchase price + reno costs + carrying costs < ~80% of that ARV, you're likely in BRRRR territory (because the bank might refinance you around 80% of the new value, letting you pull your money out).
Once you've purchased your Halifax investment property, it's time for the fun part – making improvements! Onto the renovation stage…
Renovating is where you force appreciation – but it's also where many investors bust their budget. In Nova Scotia, you'll want to plan carefully for renovation costs, get the right permits, and choose contractors wisely. Here's how to handle the "Renovate" in HRM:
What does it cost to renovate here? It depends on scope, of course, but I'll give some local ranges:
In Nova Scotia (HRM), a lot of renovation work requires permits – and you want to follow this to the letter, especially for a BRRRR where an appraiser will value licensed work higher than unpermitted DIY stuff. By law, any structural changes or renovations over $5,000 in value require a building permit. So, if you're removing a wall, adding a window, finishing a basement, updating plumbing/electrical, etc., head down to HRM Planning & Development and get that permit.
Permit fees in HRM are reasonable: for renovations, it's about $5.50 per $1000 of work value (so a $50k reno permit fee would be ~$275) plus a small application fee. They usually issue residential reno permits within 5 business days of a complete application – pretty quick! Don't skip inspections either: the city inspectors are helpful and ensure your work meets code. This matters when renting (for safety and liability) and refinancing (banks may ask if major improvements were done with permits).
Be aware of building codes especially if creating a rental unit: you'll need proper egress windows in bedrooms, interconnected smoke alarms, and sufficient fire separation between units (usually a layer of fire-rated drywall on ceilings, etc.). Nova Scotia's building code largely follows the National Building Code, and as of recent years, secondary suites are allowed in most single-family zones, but must meet these safety codes. If this sounds daunting, don't worry – a good contractor will handle it (and we at Helio do this routinely for clients).
Finding reliable contractors can be one of the hardest parts of renovating. Some tips:
Get multiple quotes: Don't go with the first quote blindly. In HRM, contractor pricing can vary. One may quote $50k for a job while another says $35k. Review scopes carefully to ensure everyone's including the same work. The cheapest isn't always best, but you want someone who is fair and has a good track record. Ask for references or examples of similar projects they've done in Nova Scotia.
Fixed-price vs. cost-plus: Many local contractors work on a cost-plus model (they charge for materials + labor plus a fee, which can lead to cost overruns), but there are builders like Helio that offer fixed-price contracts. A fixed price means you know the renovation/build cost upfront (for example, Helio builds at $168/sq.ft fixed, which provides budget certainty). This model can be a huge advantage for investors who need to stick to a budget to make the BRRRR math work.
Timing and pipeline: Halifax has a short construction season for exterior work (spring to fall is prime). Good contractors get booked up, so plan ahead. If you close on a property in June, don't expect to find an available crew the next week – many will be scheduled months out. Either line someone up before closing or prepare for a little wait. Alternatively, purchasing in winter and planning indoor-focused renos (like interior remodels or basement finishes) can keep crews busy in the off-season and possibly at a slight discount.
DIY vs Professional: Labor costs in Nova Scotia are not cheap, but doing certain things yourself can save money if you know what you're doing. Simple tasks like demo, painting, or landscaping are owner-friendly if you have the time and skills. However, leave the electrical, plumbing, structural stuff to licensed pros. Remember, any unlicensed work can void insurance or cause issues later, so be smart about what you DIY.
Now that your property is looking sharp and up to code, let's pause for a moment to consider how Helio can assist in this renovation phase, especially with controlling costs and stress.
One of the biggest BRRRR challenges is keeping renovation costs in check. As an Helio Urban Development analyst (and an investor myself), I've seen projects go off the rails due to surprise construction costs. That's why Helio uses a fixed-price construction model to help investors in Halifax. In fact, we offer pre-designed builds and renos from $168 per sq.ft – a price that's locked in.
How does this help you? Imagine not having to worry about cost overruns. With a fixed price, you know before the work starts exactly what the major renovation will cost. Helio's team handles everything – planning, permits, project management, and construction – for that set price, so you aren't hit with the dreaded "budget creep." This is perfect for BRRRR because your numbers (ARV, refinance amount, cash needed) stay predictable. We focus on ROI-focused construction, meaning we design the renovation to maximize your property's rent and value potential without unnecessary luxury frills (unless you want them!).
Thinking of a renovation or build in Nova Scotia? Check out Helio's services in HRM to see how our fixed-price approach can make your BRRRR project smoother. We're local, we understand investor needs, and we have in-house expertise to ensure your project stays on time and on budget. Feel free to reach out for a consultation – we'd love to help plan a cost-effective upgrade for your investment property!
With your property freshly renovated, it's time to bring in tenants and start that cash flow. Renting out property in Halifax comes with its own set of considerations, from understanding demand to knowing the rules.
In HRM, the go-to places to advertise rentals are Kijiji, Facebook Marketplace, and local rental listing sites. You might also use viewings through property management companies or signs in the neighborhood. Given the low vacancy, expect a lot of interest if your unit is priced right. Pro tip: Good photos of your new renovation will attract better tenants. Highlight those shiny new kitchen appliances or the cozy living space you created.
Research comparable rents in your specific area. Halifax rental prices can vary by neighborhood – e.g., a renovated 2-bed flat in the Peninsula's West End might fetch $2,000+, whereas a similar unit in Lower Sackville might be $1,500. Check CMHC reports or ask local property managers for current averages. As of 2024, a 2-bedroom in Halifax averages around $1,447-$1,538+ depending on location, but brand-new or newly renovated units can command a premium. Don't be afraid to push a little higher if your unit is way nicer than the competition – just make sure you can justify it with features (all new finishes, included utilities, parking, etc.).
Keep in mind, Nova Scotia has had an rent control cap in place for existing tenants in recent years. The province currently limits rent increases to 5% per year for 2024-2025 (for sitting tenants), and this cap is expected to continue (it was previously 2% during 2021-2023). What this means: when you find a tenant, you can't jack up their rent drastically each year. Plan your cash flow knowing that your rent increases on that tenancy are limited. However, when a unit turns over between tenants, you can reset to market rent. Also, newly created units (like that basement suite you added) may be exempt from rent cap rules for their first lease – check the latest Residential Tenancies Act provisions or consult a lawyer for specifics.
Halifax is a relatively small community, so word-of-mouth and gut feeling can sometimes be as important as formal screening. Still, do your due diligence:
Nova Scotia has standard lease forms. Use the official Standard Form of Lease from Service Nova Scotia – it's the law, and it covers all bases. Be aware of some NS tenancy quirks:
Are you going to manage it yourself or hire someone? If you're local and have time, self-managing one or two units is quite feasible in Halifax. Just treat tenants respectfully and fix issues promptly (word travels fast if you're a "bad landlord," and we Haligonians value our community vibe!). If you plan to repeat and acquire many properties, you might eventually hire a property manager. Management fees here are usually around 8-10% of monthly rent for full service. Some companies charge leasing fees for finding a tenant as well. Helio doesn't currently manage properties (we focus on development), but we can certainly recommend some great local managers if you need contacts.
By successfully renting the property, you now have an income-producing asset. Congrats – that rent will help pay the mortgage and expenses while you move on to the next step. Speaking of which, here comes the power move in BRRRR: refinancing to pull out your equity gains.
Refinancing is where the BRRRR strategy really pays off. After increasing your property's value through renovation and proving its income by renting it out, you go back to the bank and say: "Hey, my property is worth a lot more now – can I get a new loan based on that higher value?" In Halifax (and Canada in general), the process has some important details:
You might be eager to refinance as soon as the paint dries, but lenders often like to see some history. Many investors wait 6-12 months after purchase to refinance, because some banks have "seasoning" requirements (they want the property to be owned for a certain period before using a new appraised value, especially if it was a quick flip). However, if you can demonstrate you added significant value (receipts for that $50k reno, new lease agreements showing higher rent, etc.), some lenders will refinance sooner. In Halifax, credit unions can be a bit more flexible than big banks on this timing. It's wise to talk to a mortgage broker when you buy the place, and again after reno, to gauge the best refi timing and lender options for your scenario.
Appraisal: The bank will require a professional appraisal to determine the current market value of your property. You'll pay for this (typically $300-$500 in NS). Ensure the appraiser knows about all the upgrades you've done. Provide before-and-after details, a list of renovations, and the new rent amounts. In an ideal world, your appraised value (let's call it ARV) comes back at or above what you estimated. Sometimes, appraisers might be conservative, so don't be discouraged if it's a tad lower than your own expectation – Halifax appraisers use comparable sales from recent months, and if the market is a bit slow or there were no recent sales exactly like your property, they might undervalue unique improvements. Working with a local appraiser who understands investment properties (ask your broker for one who does a lot of duplexes or rentals) can help.
In Canada, for a refinance on a rental property, most lenders cap the new mortgage at 80% of the appraised value (80% LTV). Some might even limit to 75% for rentals, but generally 80% is attainable if you have strong finances and the property has good income. For example, if your Halifax duplex appraises at $500,000 after reno, the bank might offer up to $400,000 as a mortgage. They'll first pay off your existing mortgage (say you owed $300k from purchase), then the remaining ~$100k could be made available to you as equity cash-out. That $100k is essentially your "recycle" money to go fund the next purchase.
Note: 80% LTV is the max for conventional loans – you cannot refinance to 95% like a first-time buyer purchase; those high ratios are only for purchases with CMHC insurance. For refi, 80% is generally the ceiling without going to private lenders (which we don't recommend unless absolutely necessary due to high interest).
Lenders will also look at the rental income and your personal income when approving the refinance. Typically, they use something called a debt coverage ratio or add a portion of the rent to your income in calculations. With Nova Scotia's high rents, your property likely meets the criteria, but ensure that the rent you're charging is documented (leases in place).
Some banks in Atlantic Canada might use only 50-70% of the rent as income for their calculations (to account for expenses), so having a strong rent relative to your new mortgage payment is key. In practice, if your property is breaking even or cash-flow positive at 75% LTV, lenders will be comfortable. If you over-leverage to where it's deeply negative cash flow, they might not allow the full amount.
All major banks (RBC, Scotiabank, TD, etc.) operate in Halifax and have similar lending policies Canada-wide. However, don't forget local institutions like East Coast Credit Union, CUA (Atlantic Credit Union), and others. Sometimes they offer competitive rates or are more understanding of unique situations (like properties with multiple units, or corporate-owned properties, etc.). Also, if your property is a 2-4 unit residential, it will be a standard residential mortgage. If you happened to BRRRR a larger building (5+ units), the refinance falls into commercial lending, which has different criteria – usually 75% LTV max and more focus on rental income coverage. Most BRRRR investors start with 1-4 units, so you should be in the residential realm.
Be aware of current interest rates. As of early 2025, rates have been higher than the ultra-lows of a few years ago. A 5-year fixed might be around 5-6% and variable around similar or slightly less. Higher rates affect how much mortgage you can carry for a given rent. The bank will "stress test" your deal at an even higher rate (~+2% above actual) to ensure you could pay if rates rise. This is standard in Canada, but it can reduce the mortgage amount you qualify for if your income or the rent is just on the edge. If that happens, you might not pull out as much equity now – but remember, you still have the improved property and you can try again later when rents or values have gone up further.
Refinance Costs: Budget a bit for the refi process. You may have to pay an appraisal fee, a small discharge fee on the old mortgage, and legal fees for the new mortgage (maybe $500-800 for the lawyer to handle paperwork). Sometimes lenders offer to cover legal/appraisal to win your business – ask about promotions. There's no deed transfer tax on a refi or anything, since you already own the property. And refinancing is not a taxable event in Canada – you're borrowing your equity, not selling, so no capital gains taxes incurred at this stage. (Always consult an accountant for your situation, but generally pulling out equity via refi is tax-free money because it's a loan.)
At the end of Step 4, if all goes well, you have a new mortgage that has given you a chunk of your original cash back. Perhaps you now have tens of thousands of dollars in hand from the refinance. What to do with it? Onto the final "R" – Repeat!
You've done one BRRRR – congratulations! Many investors at this point catch the bug and want to do it again. The "Repeat" step is all about scaling up while applying lessons learned from your first go. Here are some considerations as you rinse and repeat in Halifax and beyond:
Now that you've built a team (realtor, contractors, maybe an appraiser or banker that you like), use them for the next deal. You'll find each BRRRR in Halifax gets a bit easier because you know the process. Lenders also see a track record – after a successful refi, you become a preferred client in a sense. If you pulled out, say, $80k in equity, that's your down payment for the next purchase. Start hunting for the next property (back to Step 1) with the confidence of knowing you've done it before.
Maybe your first was a single-family with a suite. For your second, you might try a duplex or triplex. Halifax's market has opportunities up to fourplexes that still qualify for residential financing. Scaling could also mean looking in different neighborhoods – e.g., if you did Halifax Peninsula the first time, maybe try Sackville or Dartmouth for the next to diversify your holdings and learn another sub-market. Some investors even look at other towns in Nova Scotia (Truro, Kentville, etc.) for BRRRR after cutting their teeth in Halifax. HRM, however, remains a strong choice due to population growth and liquidity (easier to sell or refi in a big market).
Maintain Cash Flow Discipline: As you grow, always make sure the numbers work. Don't get so excited that you overpay on the next deal or underestimate reno costs. The Halifax market in 2025 is still strong but not insane – you can find deals, but also it's not 2015 prices either. Analyze each potential BRRRR with a fine-tooth comb. Use a spreadsheet to account for all costs: purchase price, closing costs, reno, carrying costs during reno (mortgage interest, utilities), expected rent, and refinance outcome. Ensure that after refinance, the property will at least break even or better with the new mortgage. With our relatively high rents and 5% rent cap, a well-bought property should indeed cash flow even after you take out equity, but check each time.
With multiple properties, think about the logistics. Do you need a holding company for liability or accounting reasons? (Nova Scotia allows LLCs or corporations to hold real estate – talk to a lawyer/CPA if you plan to scale big.) How will you manage 2, 3, 5 properties? Many investors self-manage up to a point then hire a property manager as the portfolio grows. Keep your relationships with good tenants – if you treat them well, they'll stay, and nothing makes BRRRR easier than not having to find new tenants each time or worry about vacancy.
Over time, you can even leverage equity growth in one property to fund another without even doing a full BRRRR cycle. For example, if Property A you BRRRR'd in Halifax in 2025 is worth a lot more by 2027, you could do a subsequent refinance on it to pull more equity and invest again. Always be mindful of interest rates and mortgage terms (maybe you took a fixed 5-year; breaking it early has a penalty – time your moves to avoid large penalties, or use lines of credit secured by equity as an alternative).
Essentially, the Repeat stage is about building a sustainable system. The BRRRR method can be repeated until you reach your investment goals – whether that's a few properties for retirement income or a whole portfolio of rentals providing full financial freedom. Halifax and the broader Nova Scotia market can absolutely accommodate ambitious investors, but always proceed prudently and adapt to market changes (for instance, if interest rates rise more, you might pause to accumulate more cash or if property values dip, you might find even better bargains to scoop up).
Let's cement all this with a quick example scenario to show how the numbers and process might look in real life here in Halifax.
Let's bring it all together with a realistic scenario. Imagine you're an investor named Alex, right here in Halifax, doing your first BRRRR:
Alex finds a tired duplex in Dartmouth listed at $380,000. It's an older building with two 2-bedroom units, one vacant and one with a month-to-month tenant paying below-market rent. The place needs work – kitchens from the 80s, peeling linoleum floors, but the structure and location are good. After some negotiation, Alex buys it for $365,000, as-is. Down payment and closing costs (20% down = $73k, plus ~$7k closing) mean Alex has about $80k of cash into the deal initially.
Alex plans a significant renovation on the vacant unit first, so it can be rented at a high market rent, then to update the second unit after the tenant leaves. The renovation budget is $70,000 for both units. This includes 2 new kitchens ($20k each), 2 bath refreshes ($7k each), new flooring and paint throughout, and some exterior fixes and a couple of heat pumps installed for efficient heating ($10k).
Alex works with Helio's team to lock in a fixed-price reno contract – no surprises, the cost is agreed at ~$168/sq.ft for the scope needed (the duplex is about 1,200 sq.ft total, so it roughly aligns). Permits are pulled for some structural work (opening a wall between kitchen and living room in each unit) and electrical upgrades. Over 3 months in 2025, the property gets a makeover. Both units are gleaming – brand new kitchens with mid-range but modern finishes, durable vinyl plank floors, fresh neutral paint, and those efficient heat pumps that will save tenants on heating (and potentially earned Alex a small Efficiency NS rebate!). The total spent comes in on target at $70k.
The first unit, now gorgeous, is rented out by month 4. Alex lists it at $1,700/month plus utilities, and within a week, multiple applicants are vying for it (remember that low vacancy). A young professional couple signs a lease. The second unit's existing tenant decides to move out (their rent was $1,200 in a now outdated unit – understandable they might move). Alex quickly updates that unit too with remaining budget.
Within another month, Unit B is also rented, this time to a small family at $1,650/month (perhaps a hair under the first unit due to slightly less sunlight/view, but still strong). Now the duplex is fully rented at $3,350/month total income. Expenses: Alex's initial mortgage on $292k (365k purchase with 20% down) was about $1,600/month at ~5% interest. Taxes and insurance are ~$400/month. So prior to refi, the property is already cash flowing nicely with about $1,350/month in net rent left for other expenses and buffer. Even when budgeting for maintenance and vacancy, Alex is in positive territory – a good sign for the refi application.
With leases in hand showing the new rents, and all the work done, Alex approaches a lender for a refinance at the 6-month mark. An appraiser evaluates the property; based on comps of other updated duplexes in Dartmouth, they appraise it at $520,000 (the market has recognized the improved condition and income). The bank offers 75% LTV on a two-unit rental. At 75% of $520k, that's a new mortgage of $390,000. They pay off the old mortgage (~$292k remaining) – that clears Alex's initial loan.
This leaves about $98,000 available minus maybe $3k in closing costs = ~$95k goes to Alex's pocket. Essentially, Alex gets back the $80k originally invested (down payment + closing + some reno money), plus about $15k extra. That $15k is effectively profit pulled out as cash, tax-free (it's from the equity gain). The property's new mortgage at $390k has a higher payment, of course – roughly $2,200/month at current rates. But remember, rent is $3,350, and other expenses ~$400; after paying the new mortgage $2,200, Alex still clears around $750/month in cash flow. The cash flow decreased compared to before refi (since the mortgage is bigger), but it's still positive – and Alex now has almost all their money out to Repeat!
Alex now uses that $95k to target a second BRRRR – perhaps a single-family home in Spryfield with a basement suite potential. Using $95k, Alex can cover a down payment and renos for the next deal without needing much (or any) new cash of their own. The portfolio grows, and the rental income from the duplex helps support the next project's financing as well.
This imaginary but realistic case study shows how BRRRR can work in Halifax. Not every deal will let you pull out all your cash, but even if Alex only got, say, $70k back out of $80k, that's still a big win – being only $10k left in a property worth $520k that cash flows and will likely appreciate over time. The ROI on the cash left in would be enormous.
The BRRRR method can be a game-changer for building wealth through real estate, and Halifax (and the broader HRM and Nova Scotia market) is fertile ground for it. We have the right mix of affordable entry prices, strong rent growth, and a supportive environment for adding value to properties. As Erica at Helio Urban Development, I've shared both the exciting potential and the practical realities – from permit rules to refinancing nuances – so you can move forward with eyes wide open.
Remember, success in "BRRRR Nova Scotia" style investing comes from knowledge and partnerships. To recap a few key takeaways:
Whether you have a property in mind or just want to brainstorm opportunities, our team of local experts can provide a custom game plan for developing investment properties in Nova Scotia.
Contact Helio Urban DevelopmentFinally, if you're feeling inspired to start or accelerate your investment journey in Halifax/HRM, Helio Urban Development is here to help you every step of the way. We specialize in taking the headaches out of the renovation and building phase for investors like you. Our mission is to help you maximize ROI with fixed-price, on-time construction and expert guidance from acquisition to lease-up.
Get in touch with Helio Urban Development to turn your Halifax real estate investment goals into reality. Together, we can buy, renovate, rent, refinance, and repeat – the smart way!
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