We are both I will end this saying that my composition skills are very lacking when it comes to writing things and that my ideas are not always a fluid statement, for that i apologize and ask you all to bear with me as i gimp along.

With a lower LTV then a bank might do interest only 7 years from now if the asset has appreciated and the loan paid down to 50% ltv.With investing everything is fluid and you can model out certain situations so that you can move with the market but nobody can predict 100% accuracy on what will happen years from now.  

I would also love it if anyone could refer an experienced team that could install hvac (preferrably heating AND cooling) once the old system is out. :)We finally settled on the deal, to be closed on the 10th. 

All the store fronts are empty and need to be completely renovated (plumbing, electric, heating, renovation). 

I just purchased a duplex in union grove wisconsin and I need some contractors to help me renovate it to my standards before I rent it. I am looking for carpet,vinyl installer, hvac to run a duct to the bathroom and i...

The cost of heat only matters if your unit is vacant during the winter.  

@Ahmad Hijazi   can't really answer that 4k a month is not something I would remotely consider for retirement and owning rentals with only a 5% capex with properties that are in an area were it snows.Desert properties you can get away with low capex... same with Hawaii.. since there is NO heating and you don't need airconditioning.

Cherry picking data points to make flashy heat maps = silly amusement. 

I'd fix a leaky pipe, replace a broken fridge and invest in maintenance of a heating/cooling system - a chipped sink, not so much.Depending on the importance of repairing the sink and the cost of reglazing, taking into account whether or not you'll be replacing the whole counter in the forseeable future, I'd either get it reglazed (do it again if it wears out incredibly in five years) or buy a do-it-yourself kit and touch up the chips, scratches, or whatever is bothering you.

The unit currently has window units and forced air heat.