Thank you Christina.

Hi, I have buildings from a single house to 50 units. I am looking to get better, less expensive insurance. Hopefully under one umbrella but if I should go with two separate companies that would be ok too. Do you have any recommendations? Thanks,

Thomas, Thank you. Would you be able to point me to a right sources of the information so I can learn? :) btw: the problem with google is that you never know if what you read is good, correct info? Thank you very much.

Thomas thank you, The problem is that I have 2 more years on my existing mortgage and the bank I am with is willing to refinance it but at the higher rate so I am trying to see what is out there to help "them" to help me :) So if there was a site which posts the rates, that would help a lot...

Thomas, Thank you. Any idea who would give me these rates?

Hi, I am trying to remortgage the 20 unit building to pull some cash out. What should I be asking/hoping for? I have a mortgage which is 6.5% but would love to get better then that. Thanks,

Thanks That is somewhat true as my income will not change until tenants move out and new move in. Unless there is a way to convince the bank that the value of the building went up ....without real increase in net income. If there is a way of doing it I would love to hear about it.

Thanks so it probably will take me 5 years to recover that. Would that be correct assumption?

Thanks, Any idea what would be the cost of that?

Thomas, The building is heated with central gas fired boiler. The water is heated with gas and is central, we have 4 boilers. We pay for all utilities.

jboire99, Thank you. I will contact you over the email though probably it could be beneficial to all if you posted it in the forum. robert

Thomas, Thank you. It looks like my electricity is on the high end it is more then the gas ..... I pay all utilities. jboire99 Could you please elaborate a little more on this? Sounds interesting but I have no idea where to start :)

Thomas, I have a building which costs me close to $1600 per unit/per year. Would you have a better break down of where the costs of Gas, Electricity, water, garbage be? Thank you.