In June 2024, we completed installation of a heated and chilled pool.

Electrical work, plumbing, foundation, windows, roofing, and AC/Heat.

If the home is 100 yrs old, I'm assuming it's a definite gut which is going to require new plumbing, electrical, heating, cosmetics.I spent about $140K reno on my multi family in the heights on NY ave and there were massive problems with it but it was a gut to 3 units & adding 2 bathrooms, 3 brand new kitchens 4 bathroom reno in total, all new flooring, sheetrock , insulation, framing, doors, electrical, plumbing, paint, parts of roof etc.

- very low remaining mortgage balance!!

I guess I was looking at this as a low-cost of entry type of property that could provide some cashflow.

With a low 4.75% rate but minimal cash flow ($50–$125/month), your equity could likely work harder elsewhere.

An 80% occupancy rate indicates low demand. 

We want to plan in the most tax vantaged ways (which includes keeping future AGI as low as possible) and open to new-age and creative concepts.Respectfully ask to keep discussion to topic vs. selling one's self or services seeking new business.

As for heat loss along the way why does it matter?

Low taxes, low crime, low homelessness, friendly people, all 4 seasons, etc!