Distance played a factor but primarily this was just a downtime of a hiring freeze and low demand. 

You go any place with the prevalence of freezing weather, boiler systems, flat roofs, etc, and you should expect those numbers to increase.Thus, I'd say that $4,200 - $4,500 is the absolute low side of things, which happens in places with great weather, low taxes, and low insurance costs. 

@Ava Lin I'd make sure the heat is on to prevent pipes from freezing.

Do you think he's going to stand out in the rain and freezing cold a smoke when he can sit next to a window and blow the smoke out?

But now that I'm so close to pulling the trigger I'm freezing a bit and feel like we're not ready as far as reserves go.

It's typically from poor back filling / freeze-thaw cycles / poor site drainage.

I really like the idea of “the stack” that Brandon Turner talks about, but I’m also worried about the market taking a turn downward and the banks freezing the HELOC.

They are poorly insulated and will freeze long before a water pipe will freeze.

Did the pipes freeze?

If we aren't getting feet of snow, then we're getting -20 weather and/or freezing rain.