In the long run, heating the building to 60 degrees and having the tenants cover the rest would probably net you less overall(that's a guess without doing any calculations) but if you plan to own the building for a short period, say 5 years, I would absolutely go for a central heating system set a certain temperature, with the tenants covering the rest to bring it up to a comfortable zone.

The returns on keeping current tenants for the past 1.5 years have far outweighed turning over each unit.My point is that there are many ways to keep a current tenant, maintain positive cash-flow, and cover yourself all at the same time.

In Ohio, you can put up a promissory note to cover much of the purchase.  

I can bump the limits of each policy easier (cheaper) than I was able to find some way to cover them all.

I guess the amount of the credits is enough to cover it.

Put enough so rent covers mortgage or put more down to cash flow, 30 year mortgage or 15 year with more??

I don't plan to have more than 10-15 units total, so it would probably make the most sense to suck it up and just make sure my interests are covered.

I do have great credit and good income to cover the mortgage if anything goes wrong.

No sign of mold following November's abatement. 65% of their security deposit was used to cover a portion of this abatement because dryer negligence caused the issue.- In Dec 17 there are no visible sign of mold but a mother calls the property manager requesting an air quality test because her son has respiratory problems. - Dec 17 we do the test and it reveals mild elevation (500-1500 ppm) of either Penicillium (laundry room, 1 bedroom) or Cladosporium (bathroom).

I wasn’t going to live off of the proceeds of the apartments, I could afford (of the poop hit the fan) to come out-of-pocket to cover the mortgage if I had to, etc.