I’ve just started the free trial.

When you say you must have "future appreciation" how much appreciation are you looking for and over what period of time? 

You see, most property managers and real estate agents do not own investment properties and could never really understand the trials and tribulations of owning investments.

You could read 100 books and still not know enough because certain things must be learned through trial and error.

The 0% interest period was generally 12 - 18 months.

Heating oil is expensive and I only expect a 3 year period before I see a significant return on my outlay.

My go-to with smaller value properties is a commercial loan, which usually is based on either 15% or 20% down and my favorite lender locally for this is currently between 5%-6% depending on the rate-lock period (between 3-10 years) and the loan is amortized over 20 years.That's my go-to strategy. 

I am in the 30 day trial period with PriceLabs.The vacation attraction of our house is that it is near the beach (7.5 mile drive) and walkable to a pier and boat launch on the sound (< 1 mile), but it is not at the beach.

@Nathan Gesner I’ve learned through trial and error.

Period.