If allowing ADUs to be sold as separate units aligns with their goals, it will happen.  

Based off of the responses here, this increase does seem aligned with other insurance providers.I like the idea of raising the deductible, but will have to think more about lowering the replacement value.

Defining your goals will help determine the best strategy and ensure it aligns with your current means and long-term plans.By taking these steps, you can balance your ambitions with your responsibilities, reducing risk while building a successful investment portfolio.

I guess my comments were more that just because a PM was getting a vendor rebate (which is quite common for the industry) doesn't make him dishonest or not aligned with getting you a fair deal.

(I'm an estate planning lawyer - not an insurance agent).That being said --- you really need to sit down and understand your goals before you get advice on what vehicles you want.Insurance people will tell you insurancelawyers will tell you to set up a ton of LLCs and trustsNone of these are correct if your goals don't align. 

Here are the key considerations:Pros:Potential for Profit - Through the value add component you can increase profitability on your return, typically you're buying distressed homes with built in equity, rehabbing and increasing your equitable position furthermore. 

Focus on functional and aesthetic improvements that align with the neighborhood's standards.Managing the Property:1.

Compile a punch list of any incomplete or unsatisfactory work, and ensure the contractor resolves all issues before making the final payment.Obtain and retain copies of all inspection reports and permits for your records.Collect warranties for any new appliances, systems, or major components that have been installed.Provide feedback to the contractor on their performance, which can be beneficial for future projects and maintaining a good relationship.

Bottom line quote that we pay out in specified milestones (which align with our hard money lenders payouts). - besides or JV partner watching progress, on completion we hold back a portion of the payout pending a final residential inspection. 

Source: https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml...Always consider the tenant management component of any changes, however.