I am a recently retired public safety professional.  

I would assume that Phoenix has low end areas with armed robberies as well.  

rate is an ARM (currently 5.5%).  

Since the crash, this property still did not recover, I also made a mistake back then and got myself tied into ARM mortgage for 10 years which turns into 20 years mortgage after 10 years and interest rate is variable depending on Libor rates, currently it is at 3.5%. 

Sorry for your bad luck.The relief valve is a safety device placed on a water heater to keep it from exploding when pressure builds up inside the heater as heated water expands. 

The locks are not to be changed as Jane is still on the lease and the landlord (YOU) will need access for fire and safety inspections and/or emergencies.

They have not been totally honest with me, made me feel like I was strong armed into the deal and the time line keeps getting pushed back.  

What's your opinion on the safety and quality of the area in that direct vicinity (2-3 block radius) and what are your thoughts on the potential appreciation or depreciation in real estate prices in Waterbury and specifically that area over the next 1, 5, and 10 years?

My landscaper is pretty good chopping down trees and not charging me an arm and a leg, but this one was right under the power lines and so I needed a tree service company take care of it.

@Jett Rao there is still lots of safety margin to cash flow in Calgary, right now it is just much less cash flow then before.