Environmental regulations are only going to get tougher going forward forcing oil heat out of favour in time. 

I generally expect to be charged extra for each person after the first 2, and am pleasantly surprised when they don't. 

Hello Matt,You are just in time.

The current standard closing timeline is too short to also get a HELOC approved in time, and the mortgage lender will usually need to see those funds available to underwrite your next mortgage (though I'm not a lending expert, and it's possible if you used the same lender for both products, this might condense a bit more).In terms of strategy, we got the HELOC for as much as the lender would possibly give us, but only took out what we needed for the specific property when we found it.

A phrase I like to think about is "The time will pass regardless.." because it reminds me that the goals that I set for myself that seem far in the future will come in time no mater what. 

I was pleasantly surprised. 

The property was legally converted from a SFR to a duplex at some point in time.

It used to be contractors were more than happy to offer free and accuarte cost estimate but it would not be long  before they figured out people were just using them and had no intention of ever hiring them and of course this cost in time and some labor adds up and people need to pay their bills so , no  more free estimates, make sense?

You should have it written into the lease option contract that they will secure financing in __ time.

I was quite surprised, pleasantly, that he does what he does.