I've tried local a local Realtor but it's difficult in NY since I was told that investors have been snatching up the properties before they hit the market. 

Banks have loosened capital when it comes to spec construction, but it will probably be easier to find private money for this, as if he's going to show break even, or not much profit, it might be difficult for a bank to bite. 

However, IMO the worst part was the customer service - quite difficult to work with.  

Regardless, the idea there are 8 layers of roofing on either a flat or pitched roof is a little difficult to believe.  

Now it is difficult to tell when you've actually left Dallas.  

I initially wanted to finance but I realized it was difficult to buy a place in a price range under $100K because the cash investors are buying up all the low income properties. 

It's difficult to make a quantitative comparison, as there are so many variables involved.However- I'm editing the first post- I just found a site with estimates for heating costs according to the type of heat used.

Without knowing specifics of the deal and your circumstances it is difficult to advise you on specifics.

Yes, clearly, even if a deferment was agreed to in the loan arangement, there is still the chance of incurring a difficult tenant.

Property  managers are difficult for small project.