Folks cash out before they get their butt in a sling with late taxes high heating bills and holding costs .

Lets say I have to spend 20k to redo roof and heating on top of that in an absolute worst case scenario and I'm only up 20k IRR my first year.

I should take a little heat for the unconventional stance.

Both units have radiant heat ceiling panels, as well as several baseboard heaters in the front rooms.

Note, I pay electric and heat/hot water in this building which averages $405 p/month.

Expenses: RE Tax $6,019.04; Water/Sewer $1,767.39; Heating Oil $6,792.36; House Electric $819.22; Rubbish $1,200.00; Mow/Plow $1,200.00 = $17,798.01.

I took it in for annual check up one time but now they don't even recommend those its just as needed which is basically rotate the tires check brake fluid and windshield wiper fluid.. 

Luckily I was able to get it touched up with a heat gun as it was only scratched on the top clear layer that goes over the color. 

I include all taxes, insurance, property management fees (I don’t self manage), repairs/maintenance, capital expenditures will need to be saved along the way (all roofs 5 years old or less, all ac/heating works fine, foundations are good).

The water is then dripping down the outside wall of my house / kitchen window.I do not see any water in the house yet, but i am concerned that it will find its way inside and cause much more damage.A few things I think I can do are:1. increase insulation in the attic to stop heat escaping to the roof and melting the snow un evenly.2. add heat strips on the gutters to melt the gutter ice (once the ice has melted and I am free to install them)I'm looking for advice on:1.