In colder climates, I would think the biggest problem is they just couldn't keep up and the unit would be cold.

Each should be adjusted accounting for chosen market, comfort level, investment strategy, long-term/short-term old, and for many other reasons.  

The selling agent(Your agent) can adjust their commission in the bid processFor instance, as a Broker the selling agent commission is always $0

Once my units are at market rates, I don't find that a 1% or 2% increase each year is worth the vacancy risk but again, if the market jumps 10%, I would adjust but not necessarily the entire 10%.

And how the structure is holding up in such an exposed climate for years!!

No, a ten year balloon probably isn't possible I'd suggest an adjustable rate to motivate a refinance, you'll need to comply with the Dodd Frtank terms as well.

The concept behind estimating ARV is by using comps that are similar and have sold recently and then making the necessary adjustments.

9 Offices: Barometer of Change10 A Housing Option for Everyone12 Parking for Change13 Climate Change and Real Estate15 Infrastructure: Network It!

Adjusted slightly up or down depending on your home value.

There is no financing contingency to Buyer’s obligation to close .The other option which is not checked for my contract is:(b) This Contract is contingent upon Buyer obtaining a written loan commitment for a conventional FHA VA or other ______________ (describe) loan on the following terms within _______ (if left blank, then 30) days after Effective Date ("Loan Commitment Date") for (CHECK ONE): fixed, adjustable, fixed or adjustable rate loan in the Loan Amount (See Paragraph 2(c)), at an initial interest rate not to exceed _______ % (if left blank, then prevailing rate based upon Buyer’s creditworthiness), and for a term of _______(if left blank, then 30) years ("Financing").My wife says to just walk away as it has become too complicated and I somewhat agree.