Paul,You typically pay 1 full year of home owners upfront (to the insurance company) than on top of that you will escrow between 3 to 5 months of taxes and insurance upfront.You mentioned flood insurance as well so first year  would need to be paid in full prior to closing to provide evidence the insurance has been bound.

If they are senior citizens and are wheelchair-bound Medi-Cal will pay for care for them to stay in a skilled nursing facility all-expenses-paid.

Once in awhile I will work on the projects myself and for awhile I employed 2 people to cut the costs of subs, however after operating that way for about a year I found it was wiser to cut the two employees loose and operate with subs exclusively.

Google the question, or wait to see what people on here know about the issue I'm sure someone on here is bound to have an answer.

Vacancy: If a home falls apart and a lot goes empty for 23 months do you have the capital to buy and move a home so you don't loose a space. 

Assuming rents don't fall through the floor or I loose my job and can't find something else for several months I should be able to weather most storms but anything is possible...  

We have elected Judges so there is no absolutes in this regard as they are not bound nor set precedent)

I have seen a number of posts talking about SEO to attract in-bound marketing.

However, in our experience, while you may mitigate the cupping/buckling, you will not prevent it ... though you may prevent mould growth.My preferred floorings in bathrooms are (in order): {porcelain} tile (particularly with in-floor heat), linoleum (not to be confused with vinyl for which the term linoleum is frequently misused); or {loose-laid} vinyl sheet or vinyl plank.  

A year later another investor was loosing their duplex next door (divorce) and I picked it up for $82k.