It is zoned single family but since the previous owner is using it as a rooming house a few things look different that I am worried about the appraiser not passing:Outside doors for each room with locks.The only common area is the kitchen, no dining room, living room, etc.The rooms consist of 5 bedrooms, 1 kitchen, and 2 bathrooms.Each room has a bed and a small drawer which I am thinking of diassembling before the appraiser comes.Would I have a problem with this?

They do seem possibly open to seller financing the difference of $172K.

After they moved in, we started to get some mild complains from our neighbors (for the rented unit which was our primary residence until we moved out in another house a few miles away). 1.

I personally don't mind cooking on electric but I will say that cooking on propane is different than what most people know which is natural gas.

As has been mentioned, try to find a way to keep as your primary for 2 years, and all gains are tax free at the sale.

I am curious as to if anyone is aware of any first time home buyers programs for buying the first Primary Residence.

You're likely better off attending your local REI meet-up to see if you can find an investor who has house-hacked or is currently house-hacking their primary home.

Once your primary liability insurance is exhausted, your 3M umbrella would kick in. 

Niagara ON for C$370K or US$256K,  only 932sq ft.Why such differences?

I am in a different niche we don’t do partial or fractional interests