In Canada you can typically prepay whenever you wish and, provided you do not exceed the annual "prepayment limit" under the conditions of the note, you will suffer no penalty.

Easier to predict expenses - typically no major repairs unless from association3.

For example, if a property is clearly a rental, does that typically have a higher chance of success?

There is a "sponsor exemption" but that only allows an unlicensed person to raise money but it cannot be more than 50% of their duties and the pay they receive cannot be based on how much they raised.If you have never raised $, a family office will be off the table as they typically want the company to ahve atleast $50-$100M in assets. 

I also accept checks but generally my tenants don’t mail these until the 3rd or 4th which typically means I don’t receive them until the 7th-8th.

Just approach everyone with your business potential and they’ll typically help you out.

Typically hard money lenders will lend a maximum of 70% of the ARV so if you are below you will have more flexibility on the initial loan and the refinance (better terms or higher cash out) and of course more profit if you sell

My goal is to stabilize, refinance within 3-5 years, and offer strong returns to lenders.Your point about targeting SDIRA investors and high earners is interesting—how do you typically find and connect with these types of lenders?

While the guarantee of income sounds great, it's only a percentage of the rent, typically up to 70% and the tenant has to pay the remainder.

Typical utility bills (which we include) are $100-300/month.