Happy New Year DouglasYour talking to a California Boy here Douglas, whose spent more time on a skateboard than a snowboard and thats the Gods honset truth.But I'll give it a tryYou should consider insulating both your hot and cold copper lines with the heaviest poly foam insulation you can buy,,,i'm talking 3/4 to 1" thick and I mean every linear foot of pipe,,,,Now having said that,its my understanding that in colder climates there are systems where you actually wrap your water supply piping with heating wire to prevent freezing,Of course the key here is you must have 24/7 electrical power to the wiring.Now to my new friend Alex M,,,In a word Alex ,youre off to a good start,,,,,For my money ,your cant beat the Noritz tankless water heater products,,,,in the first place,,,if you have a troubleshooting issue ,they send their tech guy out to your house to check out your problem with your unit,,,you heard me right,,,Secondly ,they are a class act,,,,I'll say it like this ,,,contractors like myself LOVE THEM ,,,because we get no call backs from Noritz products,,,,Bare in mind ,,,the secret to tankless is;You want to install them on an outside wall ,,,why?

So you can buy here, enjoy the appreciation over time (which it will) and have equity pay down from your tenants, and eventually you can start shaving off the top once you re-fi and pay down principal. 

Kaaawa (1/2 mile from where they filed Jurassic park), Haliewa is super popular (famous for shave ice and artists studios). 

I put LVP (Lowe's shaw matrix) and used the Shaw Selitac (Amazon) foam underlayment. 

Every bedroom has a comfy bed, a 3" lavender infused memory foam topper, extra blankets and linens, a desk (with a mirror. 

The lenders shaved $1 million off the loan amount.2.

Your wall can vary in R-value depending on what thickness and type of insulation (rigid, foam or batt insulation) you choose.  

Laminate uses a thin foam underlayment and hardwood is typically laid over a sheet of craft paper (exception being some engineered hardwoods - read the manufacturer's directions).  

I saw in your profile that you were looking to raise money for deal(s). Have

I handed her $400 spending cash and she about fell on the floor, writhing and foaming, saying it's too much.