There's a good chance it's hydronic radiant, water pipes in the ceiling, do you have a boiler of some sort? 

I'm on my way to buying my first deal and I would like to also make sure I've hit every point and use whomevers deal to use as sort of a basis/comparison.

Then after I did that, I needed to sort the letters carefully to ensure the correct letter matched the right envelope.

If something happened to you, there would be lots of issues to sort through.

@Zain PirzadaMy recommendation is to read and take some sort of educational course. 

I want to best utilize my time, not just be busy or have somewhere to be fulfilling some sort of false sense of purpose.

Also, what sort of rates have you been seeing.

Our tax returns are 125 pages long and have all sorts of little historic twists and turns that only my accountant can unravel if I ever was questioned.

If long term and sort term are under separate LLCs then have separate accounts.

I am trying to get transferred and it is not my intention to stay in my currrent house, but this lender insists that since I cannot predict the future it is sort of a given I intend to stay.