Offer to buy them a few indoor portable heaters until you find a solution. 

Investors were buying at below 4%.

If you’re open to it, I’d be thrilled to buy you a coffee and hear your story.Whether you specialize in residential, commercial, wholesaling, or anything in between, your insights would mean a lot to me as I navigate this journey.Please feel free to reply here or shoot me a message if you’re interested.

My friend and I are planning to buy an investment property (My second his first).

With that strategy, I'm not a real estate agent BUT I am also reading a book called "BUY, REHAB,RENT, REFINANCE, REPEAT.

Quote from @Kody Smith: without getting too deep into my finances, what my strategy is...1. take loans to buy properties (leverage)2. fix/flip for day to day cash flow income3. use some of the fix/flip income to buy consistent cash flow through:- business acquisition, - commercial properties (MF and store fronts),I have no intention of doing ALL of the management myself, I will hire management as needed (medium term goal)my expected core role is money provider, evaluating the numbers, making decisions, and connecting with investors, wholesalers, lenders, contractors, and property owners.while I am just on step 2 of the journey, I am looking toward step 3 to stabilize, and not worry about if house prices drop mid project or not (or not worry as much) So to be fair this is more about obtaining and growing a real estate business not simply buying rentals for cashflow.

You can buy a solid duplex with $1800 rents and no owner expenses for $350-$4325,000 that will appreciate and build wealth and cashflow.

Don't buy beyond your means when it comes to construction.

I've been in the niche since 2007 buying homes in parks and out on land moving them into the parks.

If you planned on moving out of a house and buy another property, as an example, you could pull a HELOC before you moved out and keep it as an emergency fund.