Haverhill is another interesting area with reasonable home prices and a lot of municipal developments in the works (also the commuter rail and easy access to major highways).

I've stuck with the tried and true reasons I've heard to keep my search ranking high (quality photos, stellar reviews, updates to my listing) and that helps but in slow season, when I'm not willing to cut my rates as much as some of my competitors, it can be a ghost town.  

You can actually look it up.    

I am curious if that is actually what happened?

Quote from @V.G Jason: The first and foremost reason most people don't work with BP agents is cause 99%  of them are absolute trash.

I like umbrella because there is no worry of being pierced for inadequate separation of finances, if sued you have a heavy weight in your corner who has all the consequences of a defeat, and because usually it is reasonably priced (mine today is not so reasonably priced but I believe it is mostly related to the risks of CA).I do understand that the probability of needing the umbrella policy is low.  

Getting a good painter at a reasonable price requires persistence and comparison shopping.

Pro rata is the best but it’s definitely not the fairest and it causes the tenants to be upset, for good reason. 

Could work, but remember people that need hard money usually need it for a reason.

The reason is FASB ( Financial Accounting Standards Board) changed how a lease is booked for current and future obligations.