Looking at a property that would be a somewhat turnkey STR, it has great numbers and occupancy rates.

In this case, you can use Rental Income from the units that you will not be living in and that income can count to help you qualify.FHA rates are going to be lower than conventional for you almost always, but FHA does have a 1.75% funding fee. 

First thing I'd do is check comps to get an idea of the demand and rates you can charge for your condo as a MTR.

The lower rate or longer term can also make the payment more affordable. 

Tenants are all market rate.  5 year leases.  3 are NNN and 2 are NN. 

it also means their interest rates change with the Bank of Canada rate. 

Should I use a co-host just to get off the ground on a good foot and rack up some solid 5 star ratings, then transition to self sufficient down the road?   

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It's the boring places that probably won't appreciate above the rate of inflation that will provide real month to month income. 

Plus, there are upfront costs to consider, like furnishing your condo and any expenses tied to managing it as a rental.As for refinancing, it might not be the right time with interest rates where they are.