I have been considering joining AAGLA and know they have lease forms and other forms, but it is $199/yr.In the next couple months, I am looking to get a standard CA NAA lease written up with RUBS for water and sewer billing and a requirement for the tenants to carry their own renters insurance policies with $100K or so (if there are recommendations around this please let me know) liability limits.Does the community here have any advice on how best to do this and where I could get a lease form that does the trick?

I'm willing to pay for the full year in advance.ME: I'm sorry, but we clearly said in our marketing that this third-floor apartment has a no-pet policy.

Risk Tolerance- We are no longer okay with the risk of having a bad snow season.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

It is a horrible plan unless you have ZERO other ways to invest in real estate. 

I grew up in Central IL and have zero interest in investing in the area.

But so far I have found it to be an emotionally exhaustive process and have had zero luck.

Home values go pretty much to zero, if you don't have water.It's like Earnest Hemingway said about how it happened: first gradually, then suddenly.

However, you can secure an insurance policy during the process of refinancing if there is not currently a policy.

These factors are independent of any presidential candidate's policy promises.