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I thought U both bought a place few months ago already as U mentioned earlier. Why don't U both move into it but still rental in this apartment unit and helping landlord for mortgage? If U are treating that house as investment property, whenever U sell it Revenue Canada will charge U capital gain! That's why most of the Canadians move into the place after bought but not rental out unless thier the 2nd or 3rd properties as renta. Hope U know what I am talking about.