Septic field lines failed forcing me to build elgin system in the front yard and put a motor to pump sewer water from backyard to front yard. 

A unit that dies fast is 15 years. 80% of repairs are caps for $250, 15% are $500-$750 motor/compressor/etc. 

One HVAC was replaced and second one had fan motor replaced. 

last house I closed for instance we put a Jacuzzi tub in so you need a door to get to the motor we left a note on the stud and sure enough sheet rockers rocked right over it.. buyer comes in and thinks we dont know what we are doing LOL..

@Dalton SmithHello Dalton,My 15 year old HVAC went down today, the motor needs to be replaced it will cost me over $400 and the refrigerant needs to be added that costs another $300 , just the diagnosis costed me over $250.

Drove back to Houston Wednesday and Thursday.Drove to a wedding Friday, car through fit, rode 100 plus miles back to Houston in a minute ow truck, missed wedding, thinking motor is toasted, it just turned 50k miles Wednesday, but it’s a 2015 Honda so the 5/60 is timed out.

We waited 3 weeks for a condenser motor and finally got them to give us permission to local purchase it - which could have been done on day with a local contractir.  

Never have I felt unsafe.The city allocated millions a few years ago to purchase and tear down a dozen or so older motor inns on ocean blvd that had been left to squander and had become havens for the less than desireable.  

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If you want a lender for a property on the island, they must have an established bricks and motor bank on the island.