As long as you are paying they probably will not, in the current climate getting called is probably not a big deal, you could probably easily get another loan, 5 years down the line when things get rattled and banks start holding tight, you might not like a called loan so much.  

I'm looking for an HVAC contractor in the Lynchburg, VA area that can add climate control to an industrial property I'm working on acquiring.

In a cold weather climate like where Im at in PA, cold weather months can be harder to find a tenant, but I always seem to have sufficient applicants even in winter to find someone suitable without leaving a unit vacant long.

Two articles of interest - one has to do with risk profile of underwater mortgages : literally underwater because of climate change impacts.https://www.reuters.com/article/us-climatechange-mortgages/citing-climate-risk-investors-bet-against-mortgage-market-idUSKBN1WE0D3Next is the survey of CFOs which shows that the level of pessimism and % of CFOs expecting an imminent recession has spiked recently.https://www.fuqua.duke.edu/duke-fuqua-insights/cfo-survey-q3-2019?

(growth drives prices)2. harsher climate to milder climates (reduces operation costs)3.

@Jarrod Covey ,from what my HVAC guys tell me (i've renovated/flipped several homes in NE PA) the heat pumps are fine in the moderate cold to warmer climates so your area should be fine. 

Ice is one of the largest risks for a landlord who owns properties in cold climates.

Canon City, Florence and Pueblo West are just a few of the cities here that are drawing many baby boomers from around the country because they are affordable, have access to healthcare, and have a very dry/sunny/mild climate. 

Does anyone have an opinion on building right now in Atlanta during this current economic climate?

When some jerk says that climate change doesn't exist, and they're from NJ, I remind them their federal tax dollars are being spent every year just to keep up with the problem.Anyway, besides the environmental concerns, @Jaysen Medhurst is correct, typically you deal with more tourism at the beach, which means shorter term rentals, being more hands-on, etc.