Maintain a minimum of heat in our unit enough to protect pipes and other water facilities from damage by freezing and in the further event you plan to be absent for more than thirty (30) days, you will give written notice to management to arrange reasonable inspection of your unit to determine heat is maintained. 61.

I would suggest your tenants do the same if they are that concerned about freezing out the house. 

Property taxes are high, weather can get rough and cause issues not found in southern states (freezing pipes) and the new changes to the tenant laws will add some new challenges (although could reduce competition with some people maybe wanting out of the landlord biz because of this). 

Pipes freeze, people freeze, etc.

Along similar lines, is the plumbing run in such a way that it will be protected from freezing, or is the property currently winterized each year to prevent damage?

The Lender is requiring me to have an HO3 policy, however, I am having trouble finding an insurance company to give me an HO3 policy because they speculate that the pipes are prone to freeze and burst in winter due to the home not being controlled by a thermostat.

You can eliminate 95% of bad agents by asking them how to calculate a simple return like cash-on-cash..or even CAP...just ask and they'll freeze like a deer in headlights. 

Rolling around in 6 inches of water in a freezing rain storm, the only way I got through it without renting a bulldozer was to tell myself that all of the work would be worth it one day. 

Then I freeze up because i just don't know what method to apply and why and DONT MAKE THE CALL.

Then I freeze up because i just don't know what method to apply and why and DONT MAKE THE CALL.