Demand: We think rents are a coin flip in the next 12 months, and that a good forecast is zero rent growth.

Woke up this morning to -9F and howling winds, turning my phone on I learn we have 2 tenants in Milwaukee with heat out.Having a furnace go out is during winter is a major inconvenience during "normal winter weather" because people are cold.

The profit and salary an experienced contractor makes, evolves from an amalgam of foresight, efficiency, purchasing leverage, sub team trust, scope of work detailing, minimizing black outs, trouble shooting everything for every trade, phase, weather, material delays, cash flow.

Ohio actually one of the CF-ing states that has the highest appreciation by the forecast.

I see what youre saying about the cold weather making the tile cold to walk on, however, the durability and ease of cleaning tile vs the damage tenants WILL DO to wood floors or carpeting, plus the fact that it doesnt costmuch and tends to look really nice sure make it hard to overrule.Have you thought about just tossing a few neitral, but attractive rugs around the house?

However, the weather isn't an obstacle like on the mainland, so it's not as affected by seasons.

In my opinion right now I would weather the storm and get ready to go for it in a few months.

SO First 3.5 years we just made the normal payments -  then in 6 months I paid about $22.5K down towards principle, this year has been about $10K (So maybe a total of $30.5K) (current loan balance is now $89,950)  so far this year and Im trying to find a calculator to assess how many more years left and how much interest we have saved, a place to input forecasting, so if we add $25K per year towards Principle when the loan would be paid off, and something I can adjust the numbers if we make more principle payments or less. 

I know little about California, but here in the midwest grass goes completely dormant and looks dead during the winter months, and again if we have very hot dry weather in the summer.

I’m just encouraging you to be prepared at some point to weather the storms on repairs and capex expenses because they tend to come up.