Insurance is another one I unfortunately can't provide any insight on.Some other expenses you may need to factor in are landscaping and snow removal, or you can just lump this in with an elevated "repairs" line item. 

They will not even provide me with a quote with out the elevation certificate.

So far I have 2 out of 8 who paid and those 2 usually paid last day of the month so normal so far.  2 out of my 8 tenants did not pay on-time for Apr due to job loss but was able to make it up by end of Apr due to unemployment checks and stimulus payment so by end of Apr I was at 100% (I waived all late fees like most LL's did).One 1 hand as more people filed for unemployment I expect worse non-payment #'s for May, but on the other hand elevated unemployment checks should be kicking in now for most folks so curious to see what happens for May.

I have a flat roof and I think that either gabled or elevated flat will be a solution.

One board member is concerned that doing this would change our HOA from being non-profit to a for profit business and would require us to become ADA compliant (historic building that does not have elevators), pay extra in taxes, higher liability, etc.

They moved in a few days ago.I thought the experience was unusual because it looks like the rents SHOT UP.In fact, I firmly believe that it's true that rents for that particular apt in my buildings are much higher now in the Pandemic.I think this is that case because most of the buildings in NYC happen to be high rise buildings with Elevators.

Those numbers come with elevated risk and work.

You can't discriminate against someone in a wheelchair but it's not "reasonable" to install an elevator in a four-plex so the disabled person can rent the upstairs apartment.Emotional Support Animals are not limited to cats and dogs so the individual could have a miniature horse.

Also we are looking for a land surveyor, if anyone has a good reference, to get an elevation certificate.

The demographic is completely different, and there are physical barriers (mainly the BNSF elevated train tracks) separating the neighborhoods.