When I planned the design I incorporated a good deal of rod iron (we did a mix metal theme in the house) in the custom stair case that we put in (after photos below).

I prefer precious metals for that and I use real estate as an income driver.

@Marian Smith - also there are some metal z clips that allow you to hit the studs, then the box covers the metal channels

In the process, we came home one day and the fence was gone, but the metal stakes are still in place. 

You might call your Insurance Company and just ask them.....Are they wood or metal?

. - I created a picture of a fictional "perfect" fund that met all of my criteria. - Because nothing really came that close, I ended up just buying notes directly.

A metal one, or wood?

For small spaces, you can't get a small enough (in terms of BTU) multi-zone unit and what happens is one unit receives refrigerant even when not running if the other is running, which due to the cold of the evap coil causes it to condensate and ultimately causes constant problems with drainage.Also, look for a mini-split where you can connect an external thermostat and configure the head unit to shut off when the set point is reached.

Apt 2 rented at 1300/mth (2 bd)I would call the rentals B-/C because they are in a giant metal shop and low grade materials.So gross income of 76K annually.Expenses:Insurance is currently $14652 annually but that seems way too low when SFH go for that muchTaxes are currently 2800/yr, but I expect those to nearly double if I pay his asking price (so let's say 5k/year.

However, if the furnace is 20+ years old and likely to need to be replaced soon, I'll go ahead and replace the unit and get a new unit with air (evaporated coil and condenser).