@Saul Vargas what other city saw a 23% increaes last year?

I spoke with a mortgage "quality auditor" recently who said he knocked on 600 doors last month.

Used PSI last year, they did a bad job, the snow wasn't even bad last year and with several attempts asking them to do better within the terms of the contract, they still sucked. 

For the last two years we have been sitting on the sidelines.  

For context, I'm from Edmonton, and have been in investing in Alberta for last 11 years, and in Texas the last 1.5 years.

I don't remember that legal argument arising in the last couple of cases I was in, so it just may not have been addressed.   

I could tell you to invest in Milwaukee, you can still find cash flow positive duplexes here in good neighborhoods around 350k and we have had very consistent 8% appreciation over the last years.

we just poured 5 foundations in Columbus Ohio in the last month the total packages with sidewalks is less than $30,000 and that's cheap.

Sell the house you are in now and take that money tax free (if you've lived in it for 2 out of the last 5 years.2.

If the insulation is in decent shape and not covered by combustible insulation, and not terribly overloaded, it might last many more years.