Now, down at those temperatures, your COP will be approaching 1.Here where we have cold winters, code requires an ancillary heat source - electric baseboard heaters are most commonly used - to supplement the heat pump in the dead of winter (we frequently get 2-3 weeks where temperatures are below -20C).In a warmer climates, even if code requires you to put in ancillary heat, you should never have to use it.

Worked too hard to want to play in a new bracket! 

I am age 32 so that play a lot to my question.

@Aaron Klatt I guess that's where networking is going to come into play. 

The trolley is a good reason to be bullish on UTC since that will be a community where you actually Live, Work & Play.

If you walk into an occupied house that the occupant doesnt want you in, you might be playing with your life.

How this would play out in my experience would be buying a property with maybe 8% rates of return, and making around $200 a month.. depending on the rate you get. 

If that is the case, then your credit and assets would play a roll too. 

What is the end play by not allowing an extension?

I have seen these things play out a hundred times.