In other words you may be able to sit for the brokers test without the apprenticeship time all of us other folks had to do.

I'll do an A/B test with both, see what kind of responses I get

Hello,Hope everyone is doing well during these testing times!!!

Hey,So in our apartment we had gas supply that would provide us with hot water all day round.The owner decided to take out the gas supply and so he replaced the radiators and the boiler for the water with electric ones.After testing the water we found that there was only half the pressure ad before and the water would be luke warm at best after 3-4 minutes.

Once you get into the study material you might find that you love it or simply don't have the motivation even to study/pass a test. 

There is nothing wrong with this method, as every cash flowing property you buy will shorten the amount of time it takes to save up for the next, but it does take a little while to get the ball rolling.

I'm positive that we tested the draft but I sure will do again.

You just need to make sure you are in compliance with the howie test when selling a partial and how the deal is structured.

Cost will be $3890 to refi and rolled into new loan.

Putting HVAC in any unconditioned space is a big no-no and should be avoided, if at all possible.No matter what you choose, make sure the contractor does a complete manual-J calculation (and ideally blower-door test) so that you know the system is properly sized.