It sounds like if you stay a little more patient and save a little more money during that time frame, you will be in a much better position to weather a storm if it happens.  

Good luck on your journey to wealth and eventually warmer weather :-)

I Know it's wrong, I do have a warped scenes of enjoyment, but I can not resist the pleasure I derive from making their lives miserable while all along they have the misconception they are making mine miserable.

THE PLAN: 2X new HVAC systems 2X new hot water tanks EXTERIOR replacing rotted trim and siding where needed paint entire exterior gutter work where needed deck repairINTERIOR New flooring where needed 2X Reglaze tubs/showers paint cabinets white, new hardware paint all brown trim/doors white replace some light fixtures sheetrock bonus room in bottom level install garage door openers redo a staircaseRoof & carpeting are very recently redone.TIMELINE: 2 weeks (depending on weather, it may bleed into a 3rd week)COST of WORK: $19,000 Duplex: $66kCarry/Closings: $5k TOTAL: $90kPost Reno Value: ~$110,000 ($700 rent per side, with all new HVACs, roof, water tanks, and updated interiors going rate 1.25%-1.3%)I'll close Friday April 28th

It's like saying 'how's the weather in the US?'

@Mike Rice I manage single family homes in Arizona with Pools and they do very well if managed properly.Professional Pool Service weekly is mandatory.Regular InspectionsNow in the Phoenix area, we don't deal with frost or extremely cold conditions so obviously much of the country will have different experiences with weather.

I'm a software engineer of 15 years with a little break in the middle serving as a weather forecaster in the U.S.

Did the seller give you any resistance

@Brian G. yes, we are moving to Florida, warmer weather.

The difficult thing to keep sight of when you're talking about the Singularity is that even though it sounds like science fiction, it isn't, no more than a weather forecast is science fiction.