So the idea that real estate is insulated from business and stock market troubles is not true. 

If it were me renting I would have already taped a piece of cardboard or stuck a piece of insulation in the chimney to keep the warm air from escaping when it's not in use

We have insulation, backfilling, and start yard work this week and with sheetrock starting by the end of the week hopefully but likely next Monday. 

It sounds like what you have is condensation that's probably stemming from an underlying insulation problem.

In commercial multifamily, Fannie and Freddie have net worth and liquidity requirements and the operating sponsorship group can bring on others and add their balance sheets together to qualify.Inexperienced sponsors can also sign on as KPs in others' deals to meet the lenders' experience requirements so they can do their own deals in the future.Compensating KPs is the norm (except in the mentorship programs where members sign the loan as KPs to gain their experience requirements).These are non-recourse loans; so, the KPs are largely insulated from the lender in the event of default (but not insulated from limited partner lawsuits and reputation risk).thanks Mike..

Is there not good insulation?

Get involved and create a layer of insulation with people who are climbing the same hill as you.

One thing I noticed is that I can turn the heaters on for an hour, and the relative temperature would increase so a comfortable setting, but the unit would stay on because we don't have great insulation.

I've seen the spray-in foam insulation for walls, but I am not sure if it would work in a ceiling or if that's advisable.

That *may* have an insulating effect on prices based on them appearing relatively cheap.