One last year had oil paint 3 layers thick- but just the border between a huge area rug and the walls. 

Ins, Trash, Electric, Blacktop, Lawn care, Snow removal, Gas, propane, oil, everything.

(That would be similar to expecting the car dealership to refund all the money you'd paid for oil changes and tire rotations because you defaulted on the car loan)Again- you had a very negative experience with us, and we apologize.

Or, as we have had happen a couple of times, the local engineers hit oil and our properties doubled in value.  

Last year, Kenosha was named one of the top 15 fastest growing metros for job growth, and our property will be only a few short miles from the new Foxconn facility that will create 14,000+ jobs once complete in the next couple years.

balloon loans were getting called left and right .. but like you not predicting that.. but balloons always have that risk ALWAYS... when Rialto got 5 b of tarp funds they went hunting for little bank portfolios and loved picking up balloon payment notes then foreclosing on them.. it happened to two folks I know personally and they bought a little bank here in Oregon and did the same to some folks with MF .. it was a mess.. but again not predicting that at all.. however its not wise to also think the refi will always be there.. that is not prudent either.. so if your forced to sell 25% equity pretty much gets stripped in sales fee's and distressed forced sale pricing.. personally any short term debt I take on is my community bank that is solid and my banker of 25 years.. he rode through 08 with me and kept me afloat when others drowned on their debt.. but the larger banks I had credit facilities with they all got called and paying back 10 plus million in 20 months is not fun .. .

Its near all the big oil companies and the university.  

Has any had any experience as a landloard with propane heating compared to oil?

Upon further inspection, I discovered that one of the existing bedrooms also lacks this.The house currently has oil steam heat and a wood stove, which for insurance reasons we are replacing with a gas stove.

Intel is almost finished their facility in Chandler, and supposedly Phoenix metro is to see somewhere close to 500K California residents moving here to fill open employment positions.