Upper bathroom renovated with heated floors. 

Totally missed that it was a duplex originally, but if it's duplex don't you have more expenses that you as a landlord need to pay for the common areas (e.g. mowing, heat/utilities in common area, etc.)?

@Robert TylerAs you move forward with your permit, I recommend Legal Heat app.  

I’d do a heat pump system

I was so annoyed as we did this in 95 degree heat. 

For example, if the heat goes out in your own home in the dead of winter, you can say, "Meh, I don't have the money right now for a repair person. 

Ottawa was great but the numbers dont make sense no more.I also found that in many of these markets, the sellers are retiring, they are not overly greedy, some offer seller financing and there is always great value add opportunities (mostly under value rents, easy light reno cosmetic jobs and leases that include electric heat and water which can easily be transferred back to renters.

3) It has oil heat boiler that needs to be replaced.

Isn't the way every piece of real estate advice begins.My personal preference, in the current market, would be to buy more rental properites (assuming the market you are investing in is not over heated and can't cash flow.)You can absolutely get more than 10 loans as others have stated above.

Eight heating systems means a failure every 2 to 3 years(unless they're all brand-spanking new.)