Some Proof of Funds Questions - any help would be greatly appreciated!

[crescent_jam]

Hi Guys,
I'm a big fan of this forum - I've been using it to help me for the past two months, especially since I'm not using a consultant or a lawyer, but this will be my first time posting and I hope someone can assist. Any feedback would be GREATLY appreciated.

For the record, I am FSW - O (from Jamaica), single applicant, no dependents, with an August 2, 2017 ITA, hoping for a mid-September AOR.

Proof of Funds is likely the biggest reason my application might be rejected, so please forgive me if my questions seem petty but I just need to be very sure about this part of my application. I have several sources of funds for which I will be providing evidence; most of which appear to have some associated 'issue' based on what I have seen in this forum, so I will be including all of them in my application, in the hopes that enough of them will be acceptable enough to get me 'over the $12,300 threshold' and satisfy the requirement.

(Please note that I do not have the option to get a family member to gift me funds, so I have to work with the funds I have which is actually more than enough, but may not be in a form of which CIC approves... In fact, the funds from all 7 sources together meet the threshold more than 3 times over, but only 1 of them meets the threshold on its own and it is one of the ones I am less certain about. I would also prefer not to liquidate any of my Investments unless I actually get approved for PR - they're performing well, and if I don't get PR, it would kind of suck to have lost out in that way as well )

These are my questions. Below the questions, I have listed out the various sources of funds I will be including in my application:

1. Which of the below funds are you CERTAIN will not be accepted by CIC (if you could provide evidence, such as a link to a document or CIC Website, I would appreciate it)?
2. Will it hurt my application in anyway if I include documentation of funds that possible don't 'qualify' (by CIC's standards), alongside the documentation for 'more legitimate' funds?
3. Where should I upload the different supporting documents for each fund - 'Proof of Means of Financial Support', or 'Letter of Explanation'? This may seem obvious, but please hear me out...
   Obviously I plan to include a Letter of Explanation to provide clarification on all of the funds I am claiming (since so many seem 'problematic'). My initial plan was to only upload the supporting documentation for the 3 funds with which I am most comfortable (and that, together, just get me over the threshold) in the 'Proof of Means of Financial Support' section of the application. For the funds I am less sure about, I was going to include their supporting documentation as attachments with my letter of explanation in the Letter of Explanation' section. However, now I am wondering if I should just upload all of the supporting documentation to the 'Proof of Means of Financial Support' section, regardless of how uncertain I am about the fund, and let the letter stand alone in the 'Letter of Explanation' section. Initially, I was going to leave the 4 'less-certain funds' out of the 'Proof of Means of Financial Support' section, so that CIC would focus on the 3 more-certain funds, and not be disoriented by the 4 less-certain funds. But then I became worried that, if the 3 more-certain funds aren't sufficient, CIC will just reject my application, rather than moving on to the Letter of Explanation section where the other back-up 4 less-certain funds would be documented for the purposes of 'potentially saving me'.

--------------------------------------------------------------------------------------------------------------------------------------
Funds, starting with the one with which I am most comfortable to the one with which I am least comfortable:

• Savings Account (in my name only) - supporting documentation: signed official letter from bank on letterhead (with all of the requirements except an email address) and printed (but not stamped) online banking statement for the past 6 months
  [ISSUE WITH THIS FUND: NONE, BUT IS NOT ANYWHERE NEAR ENOUGH TO GET ME OVER THE THRESHOLD]
• Unit Trust Investment Account (in my name only) - supporting documentation: signed official letter from investment bank on letterhead (with all of the requirements except an email address and last 6 month average/balances) with printed AND stamped statements for the past 6 months
  [ISSUE WITH THIS FUND: I keep reading on this forum that Investments tied to the market are considered 'too volatile' and therefore are not accepted by CIC, but I haven't found any actual written evidence of this assertion anywhere and it seems odd to me - CIC can't expect everyone to be keeping this much funds in a simple account gaining little to no interest; 'smart' financial planning would dictate that you would invest some of your funds if you had this much, and most people are going to invest in investment products tied to the market and that aren't necessarily guaranteed, as the return on these investments would likely be much greater than a guaranteed investment product. For the record, my 6 months of statements will show that the investments aren't all that volatile and have been performing well - WOULD ANYONE BE ABLE TO PROVIDE ME WITH ACTUAL EVIDENCE THAT INVESTMENTS TIED TO THE MARKET AREN'T SUITABLE?]
• Ordinary Shares/Stock Account (in my name only) - supporting documentation: signed official letter from investment bank on letterhead (with all of the requirements except an email address and last 6 month average/balances) with printed AND stamped statements for the past 6 months
  [ISSUE WITH THIS FUND: same as above for Unit Trust Investment Account (Shares/Stocks are 'too volatile')]
• Checking Account (in my name only) - supporting documentation: printed (but not stamped) online banking statements for the past 6 months
  [ISSUE WITH THIS FUND: it's a US-based bank and they are being difficult about sending me a letter - I have printed all of my correspondence with them to prove that I tried my best to get a letter (although I'm still holding out hope that the bank will change their mind and send me a letter before I submit my application)]
• Joint Unit Trust Investment Account (in my and my mother's name) - supporting documentation: signed official letter from investment bank on letterhead (with all of the requirements except an email address) and a Justice-of-the-Peace notarized letter from my mother stating that she provides full permission for me to use the funds in the account for settlement purposes
  [ISSUE WITH THIS FUND: same as above for Unit Trust Investment Account and Ordinary Shares Account PLUS 2nd joint holder is not an accompanying spouse, and I don't know if CIC will accept that Justice-of-the-Peace notarized letter from my mother granting permission)]
• My Contributions to Company Pension Fund - supporting documentation: signed official letter from Pension Administrator on letterhead stating my contribution amount, and my printed (but not stamped) pension statement as at the end of 2016
  [ISSUE WITH THIS FUND: the website dictates that funds must be available at the time of PR application; however, these funds would not be refunded to me until I resign from my Company to take up an offer of PR and move to Canada. ***The funds in this account are enough to meet the threshold on their own***)]
• Proceeds from the sale of my motor vehicle (once I migrate) - supporting documentation: recent motor vehicle valuation report
  [ISSUE WITH THIS FUND: This is the most 'dicey'' of all the funds; again, the website dictates that funds must be available at the time of PR application, and I would not get these funds until I sell my car when I am ready to migrate to Canada. Additionally, even with a valuation report, there is never a guarantee of what the car will eventually sell for, and if I will even be able to find a buyer. Finally, the car still has an outstanding car loan (to be paid off in a month's time), which means I don't actually have the car title in hand and can't provide that as documented evidence that the car is mine and therefore mine to sell]