With write offs and very lean number underwritten for appreciation he is still absolutely crushing it.

Columbus, Ohio is a great market to consider if you're leaning towards appreciation.

So after a year it would be 20, after 5 years the lean is gone but they still expect you to refi out of the NACA loan if you don't personally live there.

Quote from @Ron Paterson: It's probably because this website leans more towards caution and risk aversion when it comes to investing in Tax Liens and Tax Deeds.

I know they installed rear unit completely new roof in 2017, so the roof in front unit is the main concern for me that will need to be replacement in future, what I am thinking is that if I back out, I lose 11k, which the flat roof in front unit will cost less than 11k, I think you got great point here and I probably will stick with inspection in future, but mathematically speaking I was leaning towards account for roof replacement in future ?

So far OwnerRez seems to be the one I am most leaning towards. 

And then lean on your realtor if there are any opportunities in the neighborhoods that help your family.  

Is it common to withhold retention from the general contractor payments until lean release is obtained from the sub performing the work?  

I think people are leaning toward fire only - no windstorm right now if you can since it is getting crazizy expensive.

Back when we were only earning .5% on savings, I was reserve lean and held 2 months of expenses per property up to 10.