Please - do this today: Send her a Notice To Quit for Non-Payment of Rent; you will need to send this to her via USPS with proof of delivery required so you can use it in any legal proceeding.

@Jonathan SniderFannie and Freddie do have LLPA's and the lower the down payment, the higher the cost.

One of the key challenges I’m facing is understanding the financing options available to someone without Canadian residency or a local credit history.From my research, it seems that a 35% down payment is often required, with interest rates around 7.5-8.5% for non-residents.

For example, what would the cash flow be like after you renovate and lease out at the new rates?

There are down payment programs for duplexes, i have not searched or tried to do a 3-4 unit property. 

This way the payment never fluctuates.2.

They have no cash to qualify for a rental or even pay for the move. 

Consider, if the machines did start failing in the next couple years, how would a loan payment affect your cash flow?

Get a handful together to start, so you have some cash to initiate the class action.

Even if it does, there's closing costs to consider.As I said, I have no cash myself, so I'm asking how I can deal with generating cash for closing costs (and a down payment) if it comes to it.The house costs $139000.