Unlike other investments that may actually decrease in value during recessions, home values remain steady followed by a rapid increase after recessionary periods. 2) Mortgage rates typically go down during recessions.

Temperature stays about 65 degrees year round. 

There's a company called "Steady" that started offering this service.

This definitely isn't the fastest option it is slow and steady.

This isn't the fastest option it is slow and steady.

It's good money but it's not steady money.

We have two long term residents in the other two units that are getting steady (but smaller) rent increases.

This is not an exhaustive list, but an example of some of the most common upgrades.double-pane or triple-pane window glass to offer isolation and protection;hydronic heat system to reduce energy usage; getting hydronic panels can and should blend seamlessly into the architectural design of your home.reflective roofing to prevent heat loss;HVAC units with a rating of SEER 13+ to avoid high energy usage;exterior doors with extra insulation to help maintain the interior temperature;R-38+ roof insulation;R-13 – R-19+ wall insulation;80+ percent efficiency furnace systems (gas);foundations/slabs with extra insulation;windows that are vinyl and rated Low E;passive solar design to use natural energy;structural insulated panels;vacuum insulation panels;Can I certify my own property?

My credit is excellent,  good/steady job, all of that is sound.Thanks for your advice.  

However, they may not have similar preferences on temperature and the studio gets considerably hotter than the rest of the house.