@Jessica SchlotterbeckCPAs are not the strongest of the creatures, and they stay away from the permanently frozen areas like Buffalo. ;) The closest I know of is @Dave Holland in Homer. 

and your on the right track to limit your loans on rentals that have 5 year calls.. those types of loans sunk a lot of investors last GFC  when their loans were called and credit was frozen.. lots of perfectly performing properties were lost.

Part of the difficulty in getting a solid answer on this question is it’s winter in Minnesota and the land is frozen and covered in snow.

It's way too easy for a tenant to not have it filled and then you'll have problems with frozen pipes.

Plumbing, foundation, settling, frozen pipes etc?

Could it be a frozen, but not yet broken water line? 

Here in Dallas homeowners over 65 can have their property taxes frozen, so they dont have to pay them at all.

You will have a higher monthly payment initially but you will be paying down the principal and won't be subject to having your line frozen or called if the economy turns down the road.

I screened as well as I could, they all looked good on paper, seemed nice in person, references and background checks checked out etc. but turnover was higher, living there was less fun, and a few house mates turned out to be nightmares: one started working as a paralegal and spent her days researching ways to screw me over on everything, another one started secretly growing peyote in his closet and ended up trying to stab another housemate who drank a bit too much one night and got emotional when I was out of town (they both spent some time in county jail over that incident and had to be asked nicely to GTFO) another one lived almost entirely off of expired frozen cod that he bought on sale for $1 and then microwaved it, making the house smell like nasty rotten fish for a few hours every night... barking dogs left unattended in the yard, dog fights, angry neighbors, dog poop, the peyote cult coming by and hosting drum circles into the night having bon fires in the yard, police coming by, fire department coming by... ...my future wife moved in and then we moved out pretty soon after, bought a different primary with no room mates, kicked all the crazies out and made it a normal rental rented to a family.

Leftover (beer, mustard, catsup, bread, potatoes, cheese, cold cuts, mayo, ramen, cooking oil, canned goods, spaghetti, frozen foods, etc.)