But occasionally we have issues and tenants need to be asked to leave or just decide to disappear in the middle of winter and it sucks.The worst part is I find the quality of tenant interested or willing to move this time of year isn't the greatest either - often times there is a reason they have to move right now since most landlords don't like ending leases this time of year.Either lower your rent or just hang in there.

California owners, should we increase our coverage, which should result in higher premiums?  

I noticed that the previous owner let them pay half the security deposit and the other half later, which is a red flag.

I got from this LP the name of the owner of 711Rescue: Zak Shaik.

I am cold calling owners and they are just laughing at me with my offers at 8% caps. 

I believe I would have won if I kept the battle going as the county code only required a Cul-De-Sac after a stub street hit a certain length which mine was like 100 ft shorter than......It just wasn't worth the time anymore so that's when I decided to just drop the money into building the Cul-De-Sac and developing the small subdivision to sell the to other buyers. 

Local economies: Owner-occupied homes contribute to local economies.

So while current market rents may not reflect higher insurance costs, after 1-2 years when owners realize higher costs and go through renewal cycles, market rents should increase.

Look for a PM is also an investor/owner in your market. 

This vary heavily town to town. 20% down is great if buying strictly as investment but if you have a way of owner occupying I would explore that route and apply the 20% down to increasing value of property and instead using low money down loan.