Your comments make more sense than any I have read on this thread, Joe, I love the cash flows in CLE, but every area around that area has seen a steady decline; that is the bottom line, unless something drastically changes, like 70 degree temps all year around, and tech campuses abounding, I think we will see a continuous decline in property values for both SFRs and Multi-family.

I am in a very similar situation in Tempe, AZ where I am outside the immediate area of ASU, but I am well within a longer bike ride or short (less than 10 min) Drive.

Centrally located between Old Town Scottsdale and Tempe Marketplace.

I’ve had a unit freeze on me when I was gone for the week, left the AC off or on a rather high temp, then turned it on when I got home.

I have a guy who works as a temp worker, a woman who works as a care taker, a guy who works at a machine shop, a woman who works at Valvoline, a woman who works at L and M, a woman in the Navy, and a guy who works for WB Mason. 

the nature of all wood is to expand and contract with the season, temp, and RH.

Induction is fast, precise temp control, and oh so easy to clean.

Temps plummeted to near zero for solid week or so and then we started getting snow. 

. - I believe it performs much better than heat tape, but I would utilize both in the temps we face.  

Scott,When the card is maxed out your overall utilization will increase which will bring your score down (temporarily) once this is paid back your utilization would go back to what it was originally and your credit score would adjsut accordingly.the drop in credit score is just a temp. thing and a small price to pay for whsat you are receiving in return IMO..