Hi Daniel, condos can be a great low-maintenance option for LTRs, especially for absentee landlords since the HOA handles exterior upkeep.

There's a few mortgage brokers in the area I'm happy to connect you with do dive deeper into your options.

However, currently there are no options for a foreigner to get a cash out refi on their property in Costa Rica other than for construction on the property itself.

There's pro and cons to both markets, but in the NE you would also have the option to do MTR in the off season.

Quote from @Ehrich Roberts: G’Day,Grateful for any advice in relation to mortgage options in British Columbia where liquid capital in combination with rental income would be accepted towards qualifying for a mortgage. 

Seems like too much work for too little return UNLESS you own the property, or perhaps have an option to purchase the property allowing you to capture any increase in value.   

Explore insurance options as well!

As both an investor and a mortgage broker who has personally used both options, I can say there are benefits to each.It ultimately comes down to comparing the two side by side based on your specific situation.

Correct, the idea would be to owner-occupy one of the units (I’m looking at 2-4 unit options).

Private is an option too, but again, a pay for service on top of the permit fees, etc.