If you put in hardwood type floors now and good wood burning stoves then these things won't have to be replaced before their time. 

I would start off by teaming up with someone who has been doing Hard Money Loans in your neck of the woods for a while.

Ditto.No wood rot.Dramatically improved fire resistance.Solid longevity. 50 year warranty.Lower insurance costs.The pricing is roughly equal to wood framing, so it seems almost like a no brainer.

But Seattle, my neck of the woods, is the hottest market in the country right now.

The adjacent property to mine is a small acreage vacant wooded tract that is abandoned.  

The newer (sort of ) mini split systems are installed directly through the wall instead of at the furnace, so can be used where there is baseboard hot water heat or electric baseboards.Then there is wood - but found infrequently as a primary source of fuel.Once you have the basics, you can google the rest.

Both Smoke and CO detectors are required by law in our state as well, regardless if there are gas or wood burning devices in the home or not.

does anyone have experience with wood could dations in heavy clay soil?

We continue to find spiders and ants crawling throughout random areas of the house (probably because all the baseboards and door casing are 1/4 inch from being tight, and the fake wood floor that was put in was done in such a way that I can see dirt underneath certain spots where it is short from the wall/cabinets), but I try to deal with the spiders and ants on my own by just spraying some bug killer purchased at Target - I don't want to be that needy tenant.About a month into our lease, I am giving the apartment a deep clean, and I end up finding two dead roaches.  

Original house built in early 1900's and Assume it was originally brick (foundation and properties on both sides are brick 1 story) wood floor over basement appear original and has remnants of knob and tube.