The retirement plan will track each separately, so no need to worry about muddying the waters there.  

Get a quote from 2 separate lenders and play the back and forth game. 

My plan is to increase the rents when renewing the leases but can I remove utilities from rent and ask them to pay them separately to me at the same time that I increase the rents? 

I didn't touch too much on State tax here but happy to discuss separately.

We also began to look for a place that had an english basement with a separate entrance.One day in the midst of a winter snow storm, I’d had enough of the tight quarters where we were living, so I jumped onto Craigslist and began to look around.

I searched property last month in Scarborough, Richmond hill, Markham and other GTA area but didn't find any good detach/semi detach house (with separate basement ) within 800k.Now I have three option:-1) Move to outer GTA area like Ajax,Pickering, aurora , new market or other part of Toronto MSA.

you could also rent the shed separately to one of the tenants for an added fee.As for the lawn, I wouldn't put it right next to the house. 

I am not sure about 403(b) but 401(k) and 457(b) have the option to let you borrow money out of your account up to $50k or half of your vested account (which ever is less).You usually have a 5 years repayment plan (or sometime 10 years for some very narrow loan purposes).If a loan is offered by your custodian, usually you can get a check in a few days and they may charge a small administrative fee.The interest rate is usually a little bit above prime.The interest paid is going back to your retirement account.Now on the negative side:To get the loan out, you will have to sell some of your retirement asset to get liquidity.During the time of the loan, your retirement account will grow slower as there would be less money in it.If you separate from your employer you will have to repay the balance of the loan immediately.

Keep in mind, however, that the IRA(or 401k if you ever get there) is investing in real estate on a standalone basis separate from you. 

Banks are giving me issues because it’s not rented and 3 separate lots on one sale.