There is obviously a formal lease, and we also supplement with a room mate agreement which outlines the more specific things like overnight guests and expectations in dispute resolutions/ cleaning/ care for the home and appliances, etc.I haven't received one formal "LL request" email yet, other than a formal 30 day notice in the event of a move out, which is usually after they've come talked to me in person about it to begin with. if there's an issue, it tends to be pretty limited to "hey, we have this shower rod falling off"... which im usually here to deal with (and tbh most of the time they like to fix it up with me), and it doesnt need to turn into a big thing. as for keys, i have the house on a yale smart lock, so 'handing over keys' is just official move out, walkthrough of the room for damages, and then I can delete their access code and access to the smart home systems without having to re-key the house. 

@Maria Teo the whole point of a PMC being listed as "additionally insured" is so that they have liability coverage!

And if you have to think about price when we're talking about $30 vs $40, then you really need to rethink your priorities (nothing personal :-)Yes Behr Marquee is up to $49 a gallon but you will never look back...you want a paint that will (usually) get one coat coverage. and will wear like iron.....

Traditional DSCR (Debt Service Coverage Ratio) loans typically consider the entire property's rental income, not individual rooms.

Why are they not able to find coverage?

Recently DSCR (Debt Service Coverage Ratio) for residential properties has been the talk, you probably have seen most loan officers market the heck out of these in recent months!  

There are other forms of winterizing like insulating plumbing, sealing door/windows with rubber gaskets, installing storm windows/doors, setting up heat lamps or other supplemental forms of heat in basements, etc.

See our "tier list" below: Worst: – No coverage, held in your name.

We BRRRR 8-10 per year and the flips supplement the money left in the BRRRRs. 

An umbrella policy and maxing out the available liability coverage of the LL policy, usually $500k per asset.