So, if you don't have cash to pay for a furnace repair if it breaks in the middle of winter, you will be cold.  

November and December are holiday months, so those are typically slow in the building business.7/10 - Receive permit8/15 - Complete Foundation9/15 - Complete Framing10/31 - Complete Mechanicals12/15 - Complete Finish out1/15 - Complete punch list, clean, photo, and list

Mow lawns fix locks and winterize the property.

While I might have $100/mo. in winter electric bills, I also have air conditioning requirements during the summer months, so it's probably $50 in summ.

I started doing this years ago when I found that a lot of profit was going to long hot showers in winter and green grass in summer.I sent a letter to my tenants telling them instead of raising the rent when the lease was up they would be charged my actual cost ow water the next month.  

I guess that can be a tough drive in the winter for you.When I plug the numbers you gave into a spreadsheet, Property A = $456/month - without PM or Repair reserves.

Nemeth is saying ( which is partly why I put the post up ) but if she is planning on moving say in November, I'd rather some of the propane be covered vs me trying to rent the house near the holidays. 

While a white roof can lower cooling loads in the summer, you get less solar thermal (and snow removal) benefit in the winter  - of which we have plenty.  

@Nazz Wang  it really depends on the winter. 

This will make it very much easier to re-rent and not be stuck trying to rent something in the winter!