If you suggesting that winter is causing insurance to be higher, two things: the last years or see we call it brown grass season here in Milwaukee, because we don't get much snow anymore.

Quote from @Ben Winter: Hi Yosef, I was truly inspired by your story.

I'm a new RE investor in general and my intention was to shop around here if anyone is wiling to offer a better rate than my current one.I mean no harm/offense to any lenders out here, but I thought it would be a 'fun' post to do to attract some attention and traffic.

I love mine and is a fun investment.

Real estate overall is slower during winter than summer.

It's a fun market.

A common serious issue would be no heat in winter time.

Pros could be: Clean water + tub for each guest; on a well, so no water waste concern; can make it design-y + cute; can be used winter (hot water) + summer (cool water); goes better with forest location of the home than a traditional hot tub might; will hold same number of guests as hot tub would (2 people in each tub).In researching I have seen some people on Airbnb have these checked in amenities as 'hot tub', some 'private hot tub'.

We could get a new car and do something fun with the money but that would just be wasting the equity we have built up...bad idea.  

We did a 10 day sail of the Exumas with friends this winter and I don't think I can ever vacation the same way again.