It's in human nature to not care as much for something that they pay little on as opposed to an expensive rental space.

Have to be sure to ask what their terms will be -- ie 5 year fixed, then adjustable - 20 year amortization period, 5 year fixed, then balloon payment or refi would be required etc.A person I met yesterday advised me of a bank I plan on talking to myself - Stockman bank or Stockyard bank -- something of that nature in Arkansas City -- may be worth a call -- he had received favorable terms on investment property and found they were easy to deal with and they kept his loans in house.One strategy I plan on using as I look to take on more acquisitions is what was discussed in this Bigger Pockets PODCAST -- Will re-listen to it again, however Jared described having a business plan, and putting together a packet for the lender...I believe his experience would prove to be right that most people dont do this and the bank will take you more seriously if you provide them with this info.

Develop relationships naturally!

In addition, have natural convection keep your attic temps lower.

They might change the nature of the school but I highly doubt you will see it vanish (or close it's doors) overnight.

Add some natural wood touches for warmth(basket, simple crate, candle sticks) and some bright green apples in bowl in the kitchen.

But what if things go wrong: market suddenly crashes again like 2008, natural disaster that's not fully covered by insurance, extended eviction and damage, etc. 

So naturally it's easier to damage just by rubbing up against it.

He is a scientist by nature and so is his companyHis company will be leasing the building (5yr) so all rent is coming from him.His 2nd will have a 4yr balloon so that he will be paid off before the lease runs out.I offered to use a loan servicing company so he is sure that the bank, then his 2nd, and then I, get paid. 

The only heat source for the second floor apartment is a large free standing natural gas furnace that is 14 years old.