Just an update, the bank says that I can't go off the bank program because I don't have 20% equity and CMHC won't let me do TIPP or anything other than paying the bank.
Also it is so high because they had to pay the 1900 in june and only had 2 months collected by then, so the first 2 years are higher, then it should drop by $100 or so per month.
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