Section 102 - treatment of mortgage insurance premiums as qualified residence interest is extended through 2020.2.

I don’t really have a plan for it honestly except to work towards being able to self-insure in order to avoid dramatically increased insurance premiums (an 8 plex I own came up for renewal last year and our carrier wanted to increase the annual payment from $2k to $11k, which lead me to think about self-insuring).

Consider going with gas and emphasizing that as a premium feature of your unit compared to electric.

Insulating foam caulking wood whatever it takes to fill the cracks .

I use a knife to whittle off a piece of wood from a 2x4 or tree.

Supposedly it does not take much wood to keep it going and provide more than enough heat.

One that looks like wood something like a laminate plank flooring.

It's not the shortage of land that controls development, it is the shortage 'supply chain' control of natural resources (water, wood, etc) and financial motivation that is presently moving our marketplace in this direction. 

The banks will often have lower rates for these mortgages (lower risk --> lower premium).

Getting in is overall cheap, but I wouldn't let anyone do arbitrage without them maintaining the property and paying a premium in rents.I am not sure if I agree 100% with @Donald Brooks.