and you will boost your Cash on Cash

It's nuts to be in a position where you can "throw away" 130k of renovations because your market has changed so dramatically in 12 years!

I also have a very flexible private financier available, and I am wondering when to use them to pay off mortgages strategically to refinance and further boost my credit by paying off large lump sums relatively quickly and easily?

As I am a student, my funds are limited so right now I'm focusing on eliminating consumer debt, boosting my credit score, and saving some money to invest. 

Credit boosted to 828 as well.

Over the past 10 years, the number of unqualified borrowers has dramatically increased and many mortgage brokers have taken aggressive  positions on screening clients.  

On top of all the benefits I listed I will also be able to add $600k in value over a two year period even further boosting returns.

I have a tenant who has been there since 2005 over the years rent has doubled but it's always $100 sometimes $200 below market. as market rent increases, her rent increases as well but always lagging the market. what I lost in rent I saved in having no turn over cost, no vacancy cost and most importantly no time spent looking for new tenants and having potentially bad tenants. the risk has been reduced dramatically. under most circumstances over 12 years span, you would have 4 or 5 turn overs I had zero and I am only behind $100, $200 max market rent. which is a better deal?

This boosted my credit but at a pricey expense.

You can also try a major bank like CIBC, but know that banks have tightened up their rental policies dramatically in the last year or two.