Check out the Life Planner by Lucky Life Tools.  

If you’re looking at retrofitting to separate heating for each unit (like furnaces or mini-splits), you might be looking at a higher upfront cost, but it can shift utility expenses to tenants and improve your NOI.I’d factor in boiler age and efficiency when analyzing deals and if it’s near the end of its life, negotiate a price reduction or a credit.

I have given asking price several times with no quibble, particularly if I really liked the property and the numbers worked well.  

The real life experience is the best option for learning and gaining the knowledge you need. 

Real estate investing requires a good deal of research, so build your arsenal and over time you'll be an old pro. 

Even with the discount, the investor will be a life style investor who wants to own in PR more than optimize return.  

Unfortunately, that is an expensive time-consuming process.

Had a great time.  

HELOC can be good for this situation - then you can pay it down and use it again for other life events etc. 

A single-family home or small multi-unit property can be a great way to dip your toes in the water.Build a Team: Even if you’re planning to handle most things yourself, having a good real estate agent, property manager (if needed), and a reliable handyman can make life so much easier.Learn the Local Laws: Pensacola is pretty investor-friendly, but it’s always good to know local zoning laws and short-term rental regulations if you’re thinking about Airbnb or VRBO.Run the Numbers: Make sure you’re clear on the property’s cash flow potential.