.), but I am having trouble finding what is practical for me.

Investor loans through Fannie Mae had skyrocketed since May when they decided to cap lender's investment percentage of loans produced.  4.1125% and 1.5 or so in points is not out of the realm of possibility. 

He seem to be excited about using Zelle, his control over it, while I prefer the trouble free environment provided by your service where the tenant knows he should have money in the bank by a certain date.Haven't checked to see if you have a mobile app yet as everybody has a version now and pushing it.

My initial goal is to have rentals that produce a combined $1500-$2000/month in cash flow after expenses.

Population density and low-income do not produce good results.Anway, I hope it works. 

So the concept is, whatever peril befalls the guest - illness, car troubles, death, job loss, natural disaster - we may, at our own discretion, assign the damages from that peril to you, the homeowner. 

If you had 100k in Canada and a job that produces 40k/yr, what would you do over the next 4 years in real-estate?

I'm having trouble locating a company to insure the treehouse.

On the other hand, not sitting and investing that money in perhaps a lower producing return but having the funds working all year may (perhaps) deliver a net higher return in the end.

FHA is not that much more trouble unless the property is very banged up (chipping paint, safety hazards etc).