Quote from @Josh Ball: Quote from @Jonathan Greene: Smokers aren't a protected class, but they could argue that whatever the underlying "medical" issue for the card could be part of one.

The majority thing about insurance is to protect the HOA from being sued and to protect HOA board members also. 

I also had to upgrade the fire protection between floors. 

There really isn't a safe, secure way for someone to protect their interests.

Readers should seek professional advice.Great responses hereHowever, full site visits, though more expensive, maximize tax savings by capturing every depreciable asset and offer better audit protection....This post does not create a CPA-Client relationship.

@Charles Evans Zelle and Venmo do not provide the same protections as a third-party rent payment portal.

@Desiree Board For your mix of long-term rentals (LTRs), short-term rentals (STRs), and house flipping, an LLC is ideal for liability protection and pass-through taxation.

Often times they come back with a list of repairs that they would like to see to protect the home or mitigate liability. 90% of the time those items were on our list to fix anyway, and sometimes we even haven't done before we get the letter from the insurance company.

I currently use the security deposit replacement and rental damage protection product from Waivo, which I accessed through my Furnished Finder dashboard for my mid-term rental (MTR).

The property will be strictly for investment purposes, not a primary residence.I’ve been looking into two potential financing options:Hard Money Lenders (HML) – I’m drawn to this option for its speed in closing, but I know the rates can be higher.DSCR Loans – This seems like a great option for long-term rentals, but I’m unsure if it’s the right fit for my auction property since it might need some rehabbing.I’m also considering purchasing through a land trust or an LLC to add a layer of protection and privacy.So, my questions are:What’s the best way to approach financing for auction properties?