Not exactly interested in getting heat for why I sold my investments, recession timing, when to invest, etc., but more so what medium I should invest in right now given the returns I am looking for in the short term. 

I have raised the rental income with new leases and improvements, lowered the costs of the building by improving insulation and efficiency of the heating, water heaters, water/sewer and electrical. 

FHA might be a little tricky with this one.. no heat source in the bottom unit, chipped paint on the siding, and deck needs some work.

Acquisition Costs: $32.5k (down payment) + $9k (closing costs were reduced $2.2k due to negotiation) + $49k rehab => $90,500Rent Roll:Basement Unit: $725 (renting to a lifelong friend, so I reduced; includes electric, water, and gas) [840 sq ft, 1 bedroom]Unit 1: $2400 (includes electric, water, and gas) [1,005 sq ft, 3 bedroom]Unit 2: $1750 + utilities [805 sq ft, 2.5 bedrooms]Total Gross Rent = $4875Monthly Expenses:PITI: $3592 (includes PMI)Water: ~$110/moGas/Heat/Electric: TBD, I've only had it rented since mid-October and basement didn't get occupied until Dec 1.

If I have a heating system go down, I have the money to replace it rather than out of pocket.

Do you use electric heat or gas heat? 

My guests blast the AC during the summer and crank the heat during winter leaving me with $300+ electric bills.

It depends on who is paying to heat the water. 

Currently it is oil heat.

Is there a heating vent in this room or a door that shuts it off from the rest of the heat source?