Several factors indicate the company is not that concerned about efficiency or ease of customer process: the website, a process that seemed to focus on one issue at a time instead of all issues at once, and consistently poor communications and lack of common sense from the loan analyst we were assigned.It started off very well with the initial point of contact, Austin Lornson, who did a fine job of explaining the general refinancing process, responding quickly and thoroughly to our questions.

Send her a certified letter (keep a copy for yourself) with your concerns of her not turning on the heat and the problems that can occur with frozen pipes and repair cost in which she will be liable for if she doesn't comply.Is she using space heaters instead?

Price is often not the main or the only concern for the seller, they have other needs.

My only concern is searching for the rent to value "1% rule". 

Insurance cost for weather-related disasters is growing to a major concern in many of the southern markets.

My concern us that the contracting company is owned by the property manager. 

By no means am I suggesting the funds should not be held correctly but there are other areas a landlord should focus their attention if they are concerned about tenant related liability. 

I am concerned that your investment outlook isin't patient enough.

But my biggest concern is that such a large expense for such a short time would not add as much value as what I'm looking for.

I think governments have a role to play in trying to tackle affordable housing concerns, but even I think the reclassification bill will crush the little guy, or at a minimum needs revising.