You increase their energy bill by having to run the pump excessively.

PHX has a hillside ordinance that's not that easy to navigate, so you may lose SF due to excessive slopes or what the ordinance dictates.I'd suggest doing a bit more research - can you get a survey of either property? 

In many parts of the country a two unit building containing an upper unit and a lower unit is referred to as a flat.

Today, prices are flat to where i bought.

Do you do everything flat?

Umbrella policies only kick in to cover any excess of what your initial insurance coverage doesn’t cover.

Fico Scores can drop fast when a person starts to open and take out multiple LOC's and mortgages which is considered "Excessive tradelines" based on your DTI.Helocs are great for quick renovations or repairs and should be used and paid off or down quickly.

For me personally I could / would never live in FLA or anywhere in the Deep south because of the humidity and how flat the terrain is.. although I would live in Charleston thats the only place for my personal choice..

Housing prices stayed flat in Cleveland for 30+ years.

Previous months were basically flat YoY.Colorado Springs-- Median home price up 3.5% YoY in February-- Again, this is up from 1% YoY in January, so the trend is not only YoY increases, but an acceleration in the increase.My thoughts?