I do not waste my time trying to figure it out or find reasons to accept any applicant that is questionable.

However, I also don't know if having so much credit relative to my income will have an effect on my ability to get approved for a loan to purchase a property or a refinance option.

My vacancy rate is effectively zero.   

At some point, when you start value your time, you'll become very picky how to invest your time.Time is more valuable than money because you never make more time.Just learn how to sort out and don't waste your time on something not worthy.Until you know the difference, all that is the experience 

But if you don't care about your single property owners, just stop wasting your time and their time and put a minimum of 5 properties requirement (or whatever other arbitrary number you want).

On the other hand, if it was the seller asking, I would recommend against it because it will effect the rates on their next policy on their new / future home(s)

Due to this, i am not sure where would be my first property as i am not familiar with Toronto, Canada RE market. but still i don't want to waste my time and Money so that by the time i am ready, i will have money and knowledge to jump into market.

Whatever the last lease they signed is what is in effect just one a month to month basis. 

I have buildings at 100% and buildings in mid 80sThe hurricane didn’t effect me at all.

Door knock is most effective.