In Portland I can't require someone to be a legal citizen, nor have an SSN.

If you can find practice tests, that is my recommendation - that is what I did after taking the required time component and did not have any issues passing the test. 

If it’s tied directly to the lender as part of your mortgage agreement, you’d probably need to negotiate with them or refinance with a different lender who doesn’t require that restriction.However, if the restriction is part of the property deed itself and was placed by a previous owner or another party, it can be more complicated.

This requires more than I can type here in this reply, but essentially there can be more moving parts unless you do it in a sequence.  

I make sure I screen each potential tenant thoroughly (background and credit checks) and require references.

OccupancyMost lenders require a minimum occupancy rate of 85%.

You could house hack and use the other portion to AirBnb as then you meet the primary residence requirement in B.C.

This requires an independent appraisal valuing the property at $400k and proper documentation from the seller confirming the $200k donation.Ensure the church is a qualified 501(c)(3) entity, and consult your tax professional to comply with IRS rules.

As for the "seasoning", some lenders will require the property to be "stabilized" (perhaps 80%-90%+ occupied, depending on the lender) for 3 months, 6 months, etc. before they'll do a cash out refi.

As Jonathan mentioned it can be done, but they may require an appraisal of the property.