No because people want different temperatures and have different climate control habits. 

We are also in a very warm climate so pipes outside is not uncommon.

We didn't end up exploring the HELOCs too deeply, especially since the variable rate (and current climate around interest rates) made us think the fixed rate on the cash out refi suited us best.

Very few renters will care about it being finished or insulated, particularly in a warm climate like California.

I just did the same thing on my primary/vacation rental and we have a similar climate.  

I'm curious to hear from anyone who has experience winterizing a foreclosed property in a northern climate.

Wholesaling in Canada is not really realistic due to the much different real estate, banking and investing climate up here.It is rarely successful statistically even in the US, less so up here.

I wanted to bring this one back.  2 months after the last post, what do people think now about the climate of the greater Seattle market?  

@Bryce Sablotny it depends on the area for the returns you get, I'm not from IL but don't see myself ever investing there, they have higher taxes especially for a Midwest state plus all the maintenance costs that come with a cold climate. 

Yeah, I agree, not just building equity right out the gate but the fact that your interest rate is protected in this climate for 15 years is very valuable.