Should I commit to clearing my reno loan (5-yrs) and hdb loan as soon as possible or use my cash on hand to invest in REITs, Bonds and/or FD first?

It would depend on the % of your loan. I'd clear anything higher than 4% per annum.

For your HDB loan, instead of trying to clear it quick, just switch from paying with CPF to paying with cash.

Btw, Bonds and FD will only give you about 1.5-4% return. Clearing your loan would also give you a similar "return".