I usually require my tenants to carry renter’s insurance with at least $100,000 in liability coverage.

You should ask to speak to the commercial lender at the bank that carries your property's current mortgage.

What I am hearing is you will need to rely on  some properties to carry others.

Any repair issues the new acquisition has you will feel to much greater magnitude due to the property carrying a lot of debt.

Would you be better off selling and purchasing a less expensive property that would require less carry should it become vacant for some period of time?

I always carried high deductibles and insurance was more about catastrophic events.   

It's why Red Lobster carries chicken on the menu.

Managing properties remotely can be stressful, and the right property management team should never leave you feeling in the dark.When interviewing potential PMs, don’t just ask about the services they offer—dig deeper into how they actually carry out key tasks.

If your donation exceeds this limit, you may be able to carry forward the deduction to future years (up to five years).Forms & Documentation: Be sure to file the appropriate IRS forms (such as Form 8283) for non-cash charitable contributions.

The current way the studs are built is not up to code, so they have to rebuild the entire structure of the kitchen wall This is not uncommon especially when renovating an older home and when budgeting you should also carry a very heavy contingency for unknowns.