Quote from @Chris Seveney: Yes this is a pipe dream, but had me thinking about real estate of course:If Canada ever did become part of the United States, what would happen?

Multiple outbuildings and cottages spread out among the property.

@Al JeciusAre you in City of Flagstaff or Coconino County for zoning purposes?

I do a lot of boots on the ground stuff for different clients of mine who might need stuff like leasing, walkthroughs, contractor recommendations, but want to be more hands on with the managing of the property.  

I am currently in the bit of a rutt.

Sometimes it can be difficult to collect and some landlords will keep any unpaid utilities out of the security deposit, though CA is one of the trickier states to do this in.

I own a small multifamily commercial in Albuquerque and can confirm the diversity of the economic and cultural factors that you mentioned. 

Summary;  95% of all pre forclosure owners refuse to even talk about selling inspite of the empending auction. 

Our coverage was a little light for the extent of the accident.  

That said, an umbrella doesn't have anything to do with the original question of the thread.