You just have to be able to fall in line with 32% and 42% GDS and TDS. But if you have no other debt they can sneak it in using only the 42% sometimes

Qualifying bank of Canada rate is around 4% and say they are claiming 150 per month on heating and 500 a month on property tax

Your required income for such a mortgage would be 259000 a year or so. Give or take a little bit.

BDC has some links on their page to order packages directly from them if you're trying to keep costs down. They'll sign you up for WCB, payroll, and everything else you might want too.

Looking through the past winners and the posts here. It is claimed that Seth and other RD's didn't do well with their landtrading due to the smaller networths prior to the LaF/RD trading set.

I don't believe that's a fair comparison. As RD didn't have bonafide trading partners during that entire time. The reason for the extremely high networths that reset was the combined effort allowing for targets to trade with. It's much more difficult to landtrade if there aren't enough partners to trade with and then after a while no one within the proper range, which looks to be the case in the resets that lead up to that LaF/RD reset.

As for that reset, clicking through earthstats, it looks like there were a few RD countries way ahead in land over the LaF countries at the same time, that would have allowed 2 or so LaF countries a fantastic opportunity later in the reset with them still able to find partners compared to Seth and other RD's chance.

Either way its obvious there's a number of great players all around
If you look at top 10's looks as though, Bakku, Lenshark,Xinhuan,Osso,Florian,Bark,Smlandau84, highrock, Son Goku, Chump have all done extremely well.

If you look at the Best 3 finishes, Son Goku, Bakku, Smlandau84, Chump, Xinhaun, and Osso have a fairly commanding lead in that category, before it drops by a 10m avg, to Wari, and then another 13m to a unlinked account and then again 6m more down to SolidSnake and Locket