On the other hand, saving that $4,400 could go toward a refinance later if rates drop significantly in the future.

It seems to be tracking status of the areas, which if there's still momentum in those areas could help situate someone for future growth. 

I have another feature for the future at a reduced cost to install.

This is a new underwriting guideline of the insurance companies because they haven’t been profitable and must raise the rates and lower the risk factors in order to comply with state regulations on adequate reserves and future solvency.  

HOA fees and redtape also added to frustration and will be avoided int he future.

Initially we thought we would flip, but now we're thinking of holding and using the equity for future investments.

Does the City have Future Land Use Maps showing a higher density?

Honestly, I’m hoping to move back there in the near future - but that’s for another time.

Also, my insurance company said it would be the same rate regardless which option I go with.or do I stick with the cheapest option upfront like a shingle roofObviously the upfront cost/future cash flow will be hurt the most by the standing seam steal roof (although it could assist in resale value)Does anyone have experience on roofing or an opinion which is most ideal for this scenario?

I did end up passing on this but it’s good to learn and be more knowledgeable in the future to protect our investment but find opportunities.