When both of us bought this house, both of us knew that it was legitimately out of our league. This was tploy when both of us first walked through the location with the realtor. The asking price was about numerous grand more than the top end of our budget. And sincerely, the top end of our budget was stretching it already. But both of us were able to negotiate the price a bit because both of us were willing to update the Heating, Ventilation, and A/C device ourselves. This brought the price down immensely and allowed us to spend on good residential Heating, Ventilation, and A/C. Still, our partner and I knew that both of us were sort of going to be pressed a bit to like the quality heating and air of this house. The mortgage was immense and it took up more of our budget that both of us had hoped. But both of us did something with the Heating, Ventilation, and A/C that would change that for us. The apartment came with a fully finished basement. There was a bathroom, shower and about 700 square feet of space. So both of us had the Heating, Ventilation, and A/C dealer install a ductless heat pump in the basement. With good quality heating and air in that space, both of us were able to rent it out as an apartment. When both of us first did this, both of us weren’t exactly sure that both of us would need to rent out the basement apartment. Yet, having the air conditioning down there was good for when guest visited as well. But when the pandemic hit and both of us both had to take pay cuts, that ductless heat pump downstairs saved our bacon. Every one of us were able to cover almost 70 percent of our mortgage with the rent from the basement apartment.