That said if you're looking at buying or converting into a multiunit, you should be able to at least break even with 2+ units if you're looking at doing mid-term (saw your other post).

Before you have clarity in what you want to buy, I think you need clarity on what your goals are not just for real estate but in terms of how you want you life to look.

Don't get into a long drawn out - knock down & move the walls type of project as a newbie.  

Anyone know an option to get funds out of my STVRs on favorable terms? 

Main house performing mostly cosmetic renovations What was the outcome?

This is another area I don't focus my attention on - we buy/hold long term. 

My plan A for my folks will always be to hire a 3rd party, but having done this for a very long time, I know I will come across those that want to be at least a little more hands on and I want them to have an option.Thanks in advance for any suggestions.Cheers,Robert

You can assume any government loan as long as you meet the requirements.

Your income from the long-term properties is considered as your personal income so it shouldn't be so impactful.

If the numbers broke even at 3.5%, investors would be flocking to buy that property putting 20% down.House Hacking is about the long term gain.