This will probably be the path of least resistance.2) Pay off the debt. 

I guess the lure of huge returns and smoke and mirrors  is just too much to resist for some.

Also check to see if the product comes with a scratch resistant finish.

Gas heat = About $8.50 per 1,000,000 BTUs of HeatElectric Resistance heat = About $31.00 per 1,000,000 BTUs of heatHeat Pumps are a great option when gas is not available, but in philly gas is available.Heat pumps = About $9.50 per 1,000,000 BTUs, but the catch is it will only heat down to about 30 degrees outside then you need a electric furnace or gas furnace as a backup/ auxiliary heat.

Also, I typically place granite countertops in my rehabs and I know it will scratch over time; should I still do granite ($35/sqft installed) or place something that is more scratch resistant last longer?

If they resist, a declaratory judgment action claiming trespass to try title.The Adverse Possessor Can File A Claim To Solidify Their Chain Of TitleThe Adverse Possessor must make out the elements of Adverse Possession to the satisfaction of the Court.

All of the windows are double pane extra thick impact resistant glass in a taper resistant vinyl casing  and steel double set locking. 

Although granite is somewhat heat resistant, the sealer is not.

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I'd wait until the market hits a floor resistance and starts going up then getting in rather than trying to time it.Else, you could be sitting frustrated with losses for 12 months and tempted to sell