You keep saying you have to pay it off monthly. Get a Line Of Credit from CIBC at prime +2% and pay back a min of 3% of total - monthly, or the same LOC form BMO and pay a min of 2% monthly.
If you secure the LOC against, say a house (which you may or may not own) you can get a LOC for prime + 0.
But don’t screw yourself and not have enough money to pay insurance.