I have been able to achieve good income levels with diversification across a variety of geographic markets and asset classes. 

After receiving Mary’s IRA investment from Equity Trust, Bob purchased the house for $100,000, put new carpet in the living room and planted flowers in the front yard.

Micheal, I definitely respect a mans right to choose (no pun), but thats why we have variety. 

When it comes to Multi-family Properties, there are definitely more variety in Philadelphia versus the Main Line and suburbs.

If I would like to compare them to Victorians, or non-conforming, or large multi family or downtown properties I would have to go into a lot more detail to make even the most superficial of comparisons.Speaking of the 1% rule, for my particular "asset class" that rule is effectively out of the window in my particular "market":( see link below.https://www.biggerpockets.com/forums/627/topics/313245-where-have-all-the-flowers-gone-analyzing-some-stockton-deals?

Your questions will probably garner a variety of answers, but here's my take:1.

Because of her job status (she also runs a business delivering flowers) she is unable to acquire a mortgage at this time as the banks do not consider her income, which is why she is seeking a lease option. 

I want to see if folks have suggestions for finding the appropriate insurance coverage variety or if there is something I have not thought of.

I work with local mills to do custom runs of interesting varieties and lots.

The point was that with the HOA, I have a risk of losing my house and currently my HOA doesn't seem to add any value by enforcing the nuisance rules, though I've heard horror stories about old ladies losing their paid off homes because of the wrong type of flowers being planted, etc.The HOA doesn't seem to add much value because they don't currently enforce rules but at any year that could change if enough people complain and it could swing the other way.