I would caution you against increasing the down payment to make the numbers work.

It's not profit until you access it in some form of cash.I've seen investors loss properties with equity (a few with a lot of equity) because they can't sell at a price high enough to gain that equity, or because they can't refinance it due to the negative CF,...which would increase with a new mortgage.

I request credit limit increases every year on all my cards.  

From a property appreciation / ROI-on-sale point of view, its unclear how attractive such a property would be for a future buyer.Would really appreciate your thoughts on this Invest 5S proposition or similar build-to-rent units.

The shorter the prepayment term has an impact on increasing the rate.4.

So I think moving the lot lines so the house and 2nd lot can be sold separately or even developed and also doing a moderate level renovation could really increase the value of this property overall. 

Then when you have some sort of portfolio and your face and name goes around, you naturally will attract people who will want to work with you.

This attracts a higher-quality renter, ensures funds are available to maintain the home, and reduces the risk of major losses.

It was put in place because the feds have increased immigration for the last ~10 years (over 5M people or 8% of our population) to the point that we now have a housing shortage. 

2) Is the extra LTV on cash-out worth the increase in interest rate and if not, how much LTV would I need to go get the next property?