I got investments and property in Canada, but I also have a open-ended loan agreement with my Canadian bank from which I can draw up to a certain amount at any time (that would be covered by my house) should a emergency arise. I don't use it much, but it is available should I need it. Same with credit cards - I got high limit, but rarely use it except for convenience, and then I pay it off in full every month. Interest rates on credit cards are way too high, but mortgages can be had at a decent low rate, and if one income (from renting out) pays your mortgage, then you won't be a "wage slave" ^{(wrong term used here, see below*)}, i.e. you bee leveraging your investments. Bottom line: the cost of money you borrow should be lower than the income (rent) you can generate from it. In my area in Canada where I lived I had known several people who own dozens of houses, which they bought with a minimum down payment and then rented out, usually for more than twice of their mortgage payments. Eventually, the mortgage is paid off, but the property is still yours, free and clear, and you make even more money from it.
A example of a bad way of borrowing money is if you buy a luxury car that will depreciate in value faster than paying off your loan. Been there too and learned my lesson from it.

^{*definition of wage slave: "a person who is wholly dependent on income from employment, typically employment of an arduous or menial nature."}