Each carrier will evaluate the property and determine what the cost will be and that's why each carrier has a different premium for the property with generally 85-90% of the coverages being the same.If you feel the dwelling is low see if they have a guaranteed home replacement endorsement that can be added or 150-200% dwelling coverage to truly protect yourself in the event of a total loss.The market is going to be like this until 2025 most likely so the easiest thing to do is raise your deductible without sacrificing coverage.

I would NOT in any way endorse or speak to what tenant is saying of disability or herniated anything unless I have a Dr document explicitly stating this, no-way, those words are radioactive.  

This is by no means intended to be an endorsement of working with or working without agents, wholesalers etc.

However, there is a MLO endorsement available to the broker license, maybe this would provide the exemption.

Not an endorsement.

And for the companies that endorse WealthAbility, I would think twice about putting your stamp of approval on such a sleazy sham of a business.

But in general, detach single family has appreciation faster than inflation rate, that itself is money making.now combined with househacking, the house is becoming mortgageless.househacking is becoming more common these days due to inflation and also being endorsed by the gov. ; it is not something that's uncommon like in the 80s.So if you see my reply, the single family can be used as "saving mechanism" as well as "generating income".

A number of comments enthusiastically endorsed cutting out large pieces of drywall just to start assessing this problem.

Thank you in advance.I can't endorse buying anything solely (or even primarily) for tax reasons.

Seems James has a very successful real estate business with lots of good endorsements and praise related to his business.