Also for me I do not consider this as investing in real estate.

I’m not sure you would want to include this in the letter, that is where you would defer to your attorney, but you might inform the “victims” that if there is a problem they need to contact the police.

.$130k debt on home including HELOC,  monthly mortgage & HELOC $1,155 month.

Is the Hanover market something that anyone knows much about regarding its future economic growth in relation to the rest of this central PA area.

Quote from @Mike Romano:Is this something that was not disclosed?

For those with properties (preferably duplexes in Cleveland) do you usually rent places with appliances (fridge, stove, etc.) already included or do you ask tenants to bring their own (mostly section 8).

(If you have any books or podcasts with more information please include them as well).  

This measure is designed to shield existing homeowners from the rapid increases in property tax bills that have become a pressing concern.

Examples could include but are not limited to installing new/ improving driveways, clearing overgrown trails/ build sites, demolishing abandoned buildings, property cleanup, extending or having utilities pre-approved, etc.

Fed rate means nothing at this moment.