One fantasy is to find an area in a warmer climate, preferably near surfing (for the husband!)

One thing Florida and Texas have in their favor is the boomers retirements and wanting to move to warmer climates and states with no income tax.

4) Will obtaining mortgages at similar rates (20% down, 4.65% APR in the current climate) be more of a challenge as our notional real estate portfolio climbs above $5,000,000?

In the current Colorado market climate (insanely hot) it will be totally ineffective because there is too much clutter and competition, and for open market properties with any potential at all there is fierce competition. 

They usually have foresters on staff that are very familiar with the local timber climate and would be a great resource as you identify possible deals.

I mean we hear about businesses leaving CA all the time for places like TX because of the harsh CA business climate.  

It is hard to leave and area with great profit margins, but quality of life in a warm climate is more important to me and I don't like owning small properties from a distance personally (because I never had to).I am looking for large multi-family moving forward.

In cold weather climates once water is encapsulated in brick and then freezes it creates a condition of thermal shock and the brick contracts and cracks or spalls.

I've seen people from tropical climates trying to recreate that climate of 90 in a Massachusetts winter.

Examples of such work or tasks include guiding people who are blind, alerting people who are deaf, pulling a wheelchair, alerting and protecting a person who is having a seizure, reminding a person with mental illness to take prescribed medications, calming a person with Post Traumatic Stress Disorder (PTSD) during an anxiety attack, or performing other duties.