Do we need a separate credit card for expenses too?

So glad you've already plugged into the Bigger Pockets podcast - that was a huge source of education for me when I first started.If you haven't already, I would recommend finding a real estate agent that you trust, and also start talking to lenders (banks, mortgage brokers, credit unions, etc.)

Mortgage terms in Canada vary from 6-months to 10-years with the most common being 5-year, followed by 3-year, terms.  

You should understand that the advice and information in this communication is general and that your own situation may vary. 

If this is a good credit tenant, would it be worth providing free signage as an incentive to keep them in your building?

Note everyone else commenting is an architect by trade and no offense to them but architects tend to overvalue their work in my opinion. 20 years ago I had to pay for real architects and the price was justified but now with new tech and programs its a saturated industry and prices vary widely  within a single market.I'm not here to tell you to fire your architect but it doesn't seem like you got several, if multiple bids at all.

But you can go up to 85% LTV (15% down) on a 4 plex purchase with a min. of 680 credit score.

The primary determinant as to whether you can buy real estate is going to be your credit score.

I’m only 20 years old and credit isn’t all that good.

I would then shop around for different hauling companies to get the cheapest price you can and i would check into if you need dumpsters or not, you may have to pay your own hauler but may still be able to put it in garbage cans. one thing you should look into though, if you now have to pay separate for garbage removal, make sure you get either reduced taxes or some kind of credit back every year from the town for the change. i know the town that i live in does that with commercial properties.