We actually put one in our lower level and while this is fine in the summer , in the winter in the northeast this is adjacent to a bathroom and the bathroom is then freezing. 

The fact that you replace it with a LOWER quality product now shouldn't lessen your payout. 

Here’s why you should consider investing in this growing market:Affordable LandFlorence offers affordable land compared to larger markets, allowing investors to secure property at lower prices with strong potential for appreciation as the area develops.High Demand for New HomesThe city’s growing population is driving demand for new construction.

So while the inventory is much lower (less properties to choose from for picky retail buyers), it's usually the best time for investors to negotiate a deal. 

Focusing on one property offers higher-quality, lower management complexity, and easier scaling.

(My payment ended up being LOWER still, going from 4.25% down to 3.25%).

I’ve also heard about the possibility of buying a new property with a lower down payment while keeping my first home as a rental.

I’ve appealed about 5 properties in Horry county successfully lowering the tax value. 

You’re offering people a place to live that’s both budget-friendly and comfortable, which translates to lower vacancy rates.Another key advantage is lower overhead.

Less than double the premium on the homeowner's policy I had previously, with a higher limit and lower deductible.