It would also help to keep your upstairs cooler during the afternoon.

@John Baughman Thanks for your input,Funny, my wife mentioned the same thing to me yesterday about when construction starts that I will lose some rents, however, if this is approved by the city, I plan to do the tear-off/re-framing in the cooler months, so no A/C needed.

I’d be replacing things as they fail, but I would still feel the cost especially when the roof will need replacing in a few years.So guys with more experience and cooler head than I, am I making a mistake or is this a decent deal?

I've read posts from out of the box thinkers who seek out favorable conditions in cooler markets.

The market cools down after June and gets gradually cooler towards the end of the year.

The best months to visit are January through to April, as they are the driest and least humid, and usually a couple of degrees Centigrade cooler than other times of year.

If she knew the fridge was not cooling, which soundsbiulke she did, that was her responsibility to put in a cooler until such time as it was repaired. 

However, the cooler temperatures coupled with significant shower/washer use in the basement injects plenty of moisture that creates damp clothes ("damp" was used by my tenant). 

Pinellas Park should have a CFM, or CRS coordinator you can talk to for more information.

You should reach out to a CFM who does insurance.