If your HVAC is 15 years old, buy a new one. 

What year is it for you?

In a few years when that first house gets to over 50% equity then you can think about doing a cash out refinance to buy a third or even a fourth by then.

This is on a property that had a CSS done on it some 6 years ago when we got it (and placed a new roof at that time too part of the rehab). 

Requiring xyz% of new housing to be affordable....find me the studies that indicate this will actually lead to housing affordability....eliminating the 10 year tax abatement that unlocked revenues that are 10x what the city of Philadelphia would've collected on many parcels that would never have been developed if not for the 10 year tax abatement etc.....

Should I go in for lower yearly premium vs lower deductible? 

We process nearly 1,000 applicants per year and rarely have criminal problems.

That was 30 years ago and counting.

This agreement is a perpetual guarantee for 2 years from the date of execution and is to be applied to any and all transactions presented by _______". 

At one point (it's been a few years since I delt with this) there was a nationwide advertiser (high ranking on Google search) that had contracted with the low cost provider in Denver and had a non-compete clause.