In both instances, there is either an internal (personal, family etc.) or external (nonpersonal, economic etc.) factor influencing the decision.A seller with a balloon or adjustable rate mortgage will have a mighty good reason to sell and avoid foreclosure if they can't refinance to avoid paying off entire loan balance or get a lower affordable rate.

Electricity may be adjusted to whatever current market rate is.Insurance: ask insurance brokerTaxes: whatever local rules are used to calculate themReserves: $250/unit/yearHope this helpsNick

You don't need to mail them, but you can or you can email them automatically.

I would suggest you analyze and run numbers on every deal you can without worrying too much about adjusting for local intangibles, and then just find 3 or 4 local people you trust to look over your numbers each time (i.e.

(Because I know you have a dedicated business bank account) Then all of the transactions import automatically.

Adjust one part of the equation and it will alter the other components.

A HELOC in most cases carries a adjustable rate compared to 30 year rates are lower now especially after FHFA lowered it's .50bps hit. 

You can actually set a temperature (instead of guessing the temp with turning the dial) and it will also adjust the amount of power it is using based on how far away from the set temp that it is in the place.

They listen to me and adjust their business to my needs.

I would never suggest doing it under hardwood but the system I use is electric and all of my projects have had positive feed back as you can adjust the temp. and choose what time the floors are heated.