If you're in an HOA there also may be regulation against having a short term. 

How do terms usually work? 

Cash flow, appreciation, tax benefits.

Long term rental comps on average, when you pencil it out, will be at a loss in the $100-500 range in my experience.

However, don't prioritize return of capital over return ON capital.Focusing on strong rental areas, high quality tenants, solid property upkeep and long term gains will keep you alive in this business longer. 

Alberta vs Windsor is very different-what is your long term plan with the property? 

Using their in house lenders can help substantially with loan terms. 

HELOC can be great but usually it's used for short term because of higher interest rate.

For example, if your rental was located in the Fort Worth, TX area (Tarrant County in general) I would also recommend Resdoor https://resdoor.com/ to see what they have in terms of doors.

,I'd be happy to help and would more than welcome a preliminary conversation, and even be willing to generate a hypothetical term sheet for what you're looking to accomplish.