This is a given in any cold weather climate.

@Beth CannonHere in NJ for extended cold weather the system stops providing heat as there are no heat elements in the atmosphere to extract from.

This time of year is generally a little harder to get properties rented out because of the upcoming holidays and changing weather.

If your property cash flows from day one, you can weather the storms.

I am debating weather it’s just better to go for it now, and not wait, and be glad I invested this year at this time next year.

People who have been driven from their homes need things like dry goods, baby formula, water, diapers (for children and adults), toiletries, feminine products, blankets and jackets (cold weather is upon us), undergarments, shoes, gift cards for goods and groceries etc.The thing most people don't realize is that those who have lost their homes are looking at 2-3 years before they can rebuild, assuming they had adequate insurance to even rebuild at all.

When the appraiser came back dinging paint that needed to be touched up and glass that needed to be replaced, we spend 6 hours there and knocked everything out before the weather changed too much.

I keep hearing that I should keep my first loan on the books for 5 years...My question is; Will it matter (as to building credit) weather or not it’s the same loan?

You have reduced your risk via location diversification and by having significant assets to weather most down turns.I have little location diversification (we have one OOS that is our worse performing RE) but I also have the assets to weather most down turns. 

It has a climate control unit that allows total comfort year-round, regardless of the weather outside.