Increase deductibles: Raising your deductible can result in lower premiums, but make sure you're comfortable with the potential out-of-pocket expenses in the event of a claim.4.

Additionally, we can provide insights and assistance if you're interested in investing in the Muscle Shoals, Alabama area.

And if I was the tenant it would raise concern. 

(Increased rates and loss of discounts on all policies, not just this one.)You’d be better off raising all your deductibles and using the savings to pay for your floor repair.

My father was born and raised in the Hudson Valley and is very active in the area with his brokerage and operating company, Pioneer Realty.

And in your market the lot costs are so low you need to pay cash for them and may still need more equity/cash.. in higher priced markets were the lot cost might be 40 to 50% of the total cost to build you can get a land advance but your still going to need equity/cash to do those as well.so thats your mission find a captial partner.. or put a syndication together to raise the money and partner to build out the homes.. really going to depend on what kind fo NET NET NET profit is on each home after land a build costs. 

Another huge benefit is owner/landlord can raise section 8 rent up every year to market rent.

A 6% seller concession sounds high, so reduce that or raise the price in your counter offer if an appraisal will support it.

"Rents can be raised and you can get another two units in" etc etc. 

By making equity raise small and max leverage they try to pump returns with tax savings because the cash distribution is so poor so tout overall returns ( think of Wal-mart touting overall pay for employees at 30 an hour when most of that is covering some insurance and other benefits type fluff versus what someone would take home on a check).