Save for a year and then try again.To increase your available funds, can your roommate pay 1 year up-front for a discount?  

This way, if we discover similar problems,  at least we can negotiate a discount for 8 units, rather than pay for each unit as they come along.By the way,  these AC are Byant model: FA4CNF036Thank you for your valuable opinion and advise in advance.

Being able to buy at a discount gives all kinds of option.

They allow you to set up a PRO account which gives you further discounts off their normal prices.  

Any fee you pay out of your check will be discounted when you sell it unless your servicing is closed.

You can almost always get discount at Lowes.

That said, the issue with IRR, which is defined as, the discount rate used that makes the net present value of all cash flows from a equal to zero.

The property came at a very significant discount from a tired landlord and the majority of the deferred maintenance was cosmetic and easily repaired, and has been taken care of in the first 3 weeks of ownership.

So you would pay cash for regular doctor stuff for example at a discount and then if you went to emergency and had a 30k bill you would only pay the 5k in that case.This is just an example and is not legal advice.

Our insurance provider also penalizes us for oil heat.When we are putting together an offer on a property with oil heat, we price in a conversion to either electric (heat pump) or natural gas.That said, we have ended up running a property with oil heat prior to conversion and, while the tenant was responsible for the heating costs, we coordinated the oil delivery - given we received a 5% discount as a result of our affiliation with a local apartment owners association, the Tenants were keen on the arrangement.