I will not be in Florida until Tuesday so I will miss this meetup.I don't know how to insert the user name link in a post, like @Jon Huber with a link.If someone can tell me, I would appreciate it.

Banks began inserting "due on sale" clauses in their mortgages in the 1970s when interest rates rose dramatically.

The calculations are still correct - just insert your fuel costs and re-run the calcs.80% propane1,000,000 BTU out / 80% = 1,250,000 BTU in / 91,600 BTU per gal propane = 13.646 gal X $2.00 = $27.2994% propane1,000,000 BTU out / 94% = 1,063,830 BTU in / 91,600 BTU per gal propane = 11.61 gal X $2.00 = $23.2380% natural gas1,000,000 BTU out / 80% = 1,250,000 BTU in / 100,000 BTU per therm natural gas = 12.5 therms X $1.30 = $16.2594% natural gas1,000,000 BTU out / 94% = 1,063,830 BTU in / 100,000 BTU per therm natural gas = 10.64 therms X $1.30 = $13.8385% oil1,000,000 BTU out / 85% = 1,176,470 BTU in / 140,000 BTU per gal oil = 8.4 gal X $2.13 = $17.90Resistance1,000,000 BTU out / 3,412 BTU per KWH = 293.08 KWH X $0.08 = $23.45Heat pump with COP of 3.5 (47 degrees)$23.45 cost of resistance heat / 3.5 = $6.70Heat pump with COP of 2.4 (17 degrees)$23.45 cost of resistance heat / 2.4 = $9.77The actual numbers for heat pumps (mainly the 17 degree calculation) will be slightly higher than this because of defrost cycles.So as you can see, heat pumps are by far the most economical to run.

The good news is that we have a bunch of equity in our home now (~$400k) which i'm debating pulling out to purchase a duplex/triplex with, but I'm struggling with how to do that (insert LLC questions, financing questions, rates, cashflow, etc).

For example, if a house has old carpet throughout and bright yellow paint in the interior with old brown kitchen cabinets, a flipper will take out the carpet and replace it with nice tile, paint the walls a more appealing color, and repaint or insert new kitchen cabinets.

To help Scott, I have inserted here the official information from va.gov.http://www.benefits.va.gov/homeloans/documents/doc..."6.

Each address has several lines underneath for entries for payment of rent, our PITI payments (broken down), repairs and expenses (the lines are easily added to with the right-click insert option, and they have columns for the date of the entry, notes about the entry and the amount). 

Rent 850.00 Cost 50,000.00 Annual Taxes 1,100.00 You insert the rest of the numbers as you see fit.  

I inserted deals in that quote, but it applies...

I learned it. mastered it and I dominated my market.So you can do that too.Lastly.. and please understand this very carefully as I keep hearing this..A lot of people say things like "Well I don't, can't [insert task here], because [insert reason here]"... know this.