That too in midwest side where winters can be harsh?

My family and I decided on Reno because of the low property taxes (that don't reassess on the sale), much more favorable tenant/landlord laws than CA, diversified job growth, population growth, close proximity to Lake Tahoe and the Bay Area, and the overall weather is not as harsh as a lot of other areas across the country. 

However, one deal taught us a harsh lesson about balancing kindness with caution—a deal that nearly ended our business before it truly began.It was the end of our first year, around Thanksgiving, when we received a lead in Massachusetts.

Maybe about 13-15 acres with some harsh terrain, streams, dense woods I don't want to cut down ever.

I would guess that a 3% max annual raise is more realistic because the socialists are tightening their grip on California and pushing for harsh laws to take control of properties etc. 

I am not beeping harsh as she requested additional eyes which was good and she was receptive to inputs… I consulted on one today that had 95% LTV OO but no PMI, 2% vacancy as self managed including delinquent rent and tenant turnover, a maintenance/cap ex that was based on percentage but was a quad and her allocation was ~50% of my estimate, and no PM even though she intends to move away in a year or so. 

The harsh truth is that you aren't looking out for your aunt.

Chicago winters can be harsh, so we're curious if anyone has had a good experience using a heat pump with an ancillary heat strip for those extremely cold days when the heat pump can't keep up.

Combining the loans isn't likely to yield any savings, and more likely would cause additional problems (commercial/business loans have more "harsh" terms than residential). 

If you feel they're being too harsh, think about their intent.