Hi Yael, I am a featured agent from Bigger Pockets in the QC market and can assist with all of your questions.

While I’ve considered cash-out refinancing or HELOCs, the high rates make these options less appealing.I’m debating between using cash to acquire more SFRs or diversifying into mixed-use retail properties.

Financing options do exist: hard money loans, renovation loans, and some traditional mortgages can be used on distressed properties if criteria are met.

Option 1.

I have a Bigger Pockets subscription and should have come here first!

IF so then Furnish Finders might be an option for Mid-Term rental.  

Another great option is the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat), where you buy a fixer-upper, renovate it, rent it out, and refinance to pull your cash back for the next deal, and this is a good route because most private lenders can go higher LTV than on a rental loan! 

If you're considering purchasing under a business name, consult a CPA or attorney for setup and financing options.

Look up the Rock Thomas bigger pockets podcast.

There are DSCR lending options in your personal name.