I know our agency really does not care to report ANYTHING but what is required to mortgage companies, meaning we're not interested in getting you in trouble with them, but you do need to report to us when you quit claim to an LLC.There is case law in many states that shows when you quit claim to an LLC you negated your insurance policy that was in your name. 

Generally permits mean nothing, and having them does not provide any protection, other than the fact that NOT having them is a negative indicator that will go against you because a lawyer can insinuate very easily that you did shoddy work and were cutting corners.If you are careful about how you do things, and yes even how you treat people, you are less likely to be sued and found negligent.

The whole concept of impact windows isn't that they won't break - it's that they won't blow out of the frames after they break.

The points given can range from a negative 2 to a positive 2.

Seems like a simple concept but I am getting lost in the details...much obliged. 

I live in a 611sf studio worth $1mil, would rent for $3k (would be negative cash flow for an investor).

I know the concept but don't have a short list of what to do and how.Thanks again!

My problem is with the concept of "boot". 

I know we calculated the cash flow on other bay area properties and they turn out to barely break even or negative.

I don't really have anyone around me to bounce ideas off of, so i get mostly negative reactions when i lay my plans out.