Check fb marketplace for the going rate.

For those of you using a property manager, if there is a late fee assessed for late rent does your property manager keep that fee or remit that to you?

If you remove this covered peril, you're removing wind damage coverage to the entire building, and not just the roof.Your assessment of the deductible seems accurate, but I can't speak for the replacement cost of a new roof. 

I was just prodding to see how other people assess their returns in the current market.

That said, I do want to respectfully offer some counterpoints to Dan's assessment that may provide a broader perspective on the value and feasibility of ADUs.1-2.

PIN has excellent Everything reports that bank appraisers do use to assess the value of a property but you're better off working with agents in those markets and getting free current market analysis reports.

To get back to one of your original questions, I am a member of CTREIA and @Raymond B. is spot-on in his assessment: the biggest value is in the networking.

(Google Florida condo special assessments)  And, you are correct, the HOA can impose numerous limitations that prevent it from being a good investment.

If all adults are screened, you can avoid potential legal issues down the road, especially in cases where one occupant engages in illegal activities or violates lease terms.Financial Stability: Screening all adult occupants also allows you to assess the household's overall financial situation.

I think its pretty cool the the company allows people to share in THEIR PROFITS instead of how others in the market place, sell you something small and then continue to sell you as they create new products and services.