If you can afford the mini splits and can live with the single-point source (i.e. to heat/cool the place all the doors need to be open), much better:1) Your tenant gets about 50% off his electric in winter2) Your tenant gets A/C and you get dehumidifier which keeps moisture down3) Baseboards are notoriously inefficient and usually get a sofa shoved in front of them4) If electric and not regularly cleaned, I think they're a fire hazard.

Even though it is warm, it is typically very dry (not humid) and the nights cool off drastically so plan accordingly.Hope this helps.

heated and cooled increases appraisal, I build a 440 sq ft shop and it did not effect appraisal at all . because it wasn't heated and cooled.

You cool with that??

The cool thing about buying multi family the lenders can count the rent on the others units towards your income helping you qualify for a higher loan than you would get if you just purchased a single unit, i.e SFR.Definitely pay that CC off as soon as you can though.Best of luck!

@Nathan G.That’s cool how you were able to put a pic in there.Id like to ask is that only a laptop feature or can you do it from a mobile device? 

Unlike a 1031 exchange, the money is truly tax-free and can be spent on your next vacation, manicure, or other non-real estate assets.Assuming that your property appreciates 10 percent over the next two years, I’m looking at a cool $20,000, instead of perhaps $13,000 after taxes.

Well I am in the Tampa/St Pete area and we don't have heating issues, but more about cooling!

What happened to the OP is not cool at all.  

Should I wait until things cool down?