It’s more about offering a different option for owners who need capital, and offering investors to access the world of real estate investing fast and smart, like never before. 

As others have suggested, you could get a conventional or FHA loan if you want lower down payment options.

The way I see it, I have 2 options: 1) inform her of her responsibility to turn on the heat or be liable for any damages caused by the cold weather or 2) turn on the heat myself.

Meet with financial advisers/wealth managers and see what other options other than real estate there are and how to best allocate / diversify. ie have you maxed out your TFSA?

Best option would be to separately meter the property 2.

If maintaining cash flow is your primary objective, you might want to explore other options.

Here’s the bottom line; unless the deal is VERY large, or the sponsor is going to syndicate a large number of deals, the investor will make more money purchasing the property theirselves with a option low to moderate interest rate loan.  

Quote from @Paige Seeley: @Jay Hurst even with 20% down, what non conventional options are you talking about? 

And sounds like a good set of options you are looking at.Here's some data and visualization on recent trends in some of the markets mentioned here.

You have many options here.1) Terminate the lease: It clearly states that they must have renter's insurance and the lapse can result in a default2)Have them cover the damages with sufficient evidence that they caused it3) Claim it on your insurance for the property, likely they won't give a good payout unless a fire, flood, or some sort of wind damage.