I'm going to go back and read J Scott's Intro to IRR and contemplate what I'm thankful for :-)introduction-to-internal-rate-of-return-irrHappy Thanksgiving to you and yours.

So I'm contemplating converting the system to electric baseboard.

From originally searching for a row home in Baltimore and contemplating rehabbing to 5 months later purchasing a new townhouse in suburbs of Howard County.After graduating from the Robert Smith Business School at the University of Maryland, College Park with dual degrees in Accounting and Information Systems I began working at PricewaterhouseCoopers as an auditor.

I ask because I am contemplating whether or not I should continue building cash reserves while maintaining and paying down LOC little by little or just use all of the cash I have to pay off the balance on the line and then dip into it again should I need to make a repair or cover unexpected vacancy / expenses? 

"one in nine people in Smoketown could be the victim of a violent crime -- murder, rape, robbery or assault in a year's time." 

I'm not at the moment contemplating buying something.

Even if there is no such contractual limitation, consequential damages are those that were reasonably foreseeable or within the contemplation of the parties at the time they entered into the contract or they will be considered too remote and not recoverable.

I have been contemplating the DFW market as well and doing some research. 

Best wishes, I've been contemplating the same exact thing

Your goal is laudable and I’ve often casually contemplated the same question.