Yes, the way that it was installed means there is no way to put a proper air filter, it's just a square cutout.  

Go to one of your banks that you have a mortgage with and get a debt consolidation loan with a two year term that allows prepayment and has a fixed rate.

Wind insuranceGood - US territory so can get a mortgage. 

I heard that in Texas, after a mortgage foreclosure auction, when unsold properties go back to the banks, they wait 10 days before hiring realtors to sell them in MLS or via another auction.

When you buy a property, especially overseas, you need to take your time doing a proper due diligence.

Your mortgage company dictates your insurance requirements.  

@Nate T.There is no affordable software to handle both, for your loans I would recommend using a third party servicer especially if they are owner occupied since not sending statements etc is a fdcpa violation and end of year 1098’s are a painA company called mortgage office has some software but expect to pay a few grand per year.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Even if you purchased your home at the very tip-top of the market before they dropped by 19%, if you would have simply paid your mortgage payments, mowed your yard, and stayed in the house for 6 years (you had to live somewhere during that time), you would have made money on your home...and that was the worst drop recorded.