Quote from @Kristian Sexton: @Laura Kreinbring We have a "Notice of Intent not to Renew" at our Property Management company.

We have a 320g tank that is leased from the propane company (like $15 a year).

I don't yet have an estimate on cost.I've never used insurance for something like this because A) I've never had an expensive repair and B) I fix most stuff myself on my Denver units.Question is: Should I file a claim or will the insurance company raise my rates so much that it makes it not worth it. 

The substitute of collateral was more of a scenario where you sold for $155K, and instead of paying off the $88K loan in your scenario, those funds stayed at the title company and were used on a cash purchase happening nearby in date. 

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Your estate agent and the title company should be having them pay any unpaid water bills upon closing - this should be shown on the settlement statement.

I would manage at first to learn the ropes, and then probably use a management company. 

Something I discovered recently is; if you have a QBO Accountant start your company and allow the Accountant to get billed, you will get a 30% discount even after one year, but if you create your QBO without a QBO Accountant you disqualify yourself from their Accountant discount. 

However, Greater Phoenix is not solely reliant on chip companies.