If a policy excludes wind coverage (more common in places like Florida where insurance is severely strained by weather and other market conditions) then all wind related events are excluded.In those cases, it's sometimes possible to purchase a wind policy (usually covers wind & hail) which would provide tornado protection.

My main goal is to prioritize cash flow while keeping an eye on long-term appreciation.If anyone has insights on markets that might be a good fit, tips for first-time investors using home equity, or anything else I should be thinking about, I’d love to hear your thoughts!

The only money we have going into the market is in our HSA.

I wish you the best of luck but your idea if scaling is severely flawed. 

However, past performance of appreciation is not necessarily indicative of future gains due to variables within each market.

* Increased institutional competition in value-add and workforce housing sectors*  Possible shifts in Bridge’s investment strategy under Apollo’s leadership*  A strong signal that big money still sees CRE as a solid long-term playFor those navigating today’s market, aligning with capital trends and understanding where institutional investors are placing their bets is crucial.

I am wishing everyone great success!  

Maine in particular has a few markets with a decent amount of multifamilies.

One unit is remodeled and empty and the other is not and has tenants paying way under fair market value ($700). 

I have two long term rental units now (6 years) and just exited a short term rental last year due to a good off market offer.