I am curious if that is actually what happened?

We actually had 13 insurance claims from that one storm. 

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

Reason being, I hired a property management company (just now) and they're wonderful, they start officially in a couple days. 

Will you actually see any appreciation on the asset outside of worldwide crisis? 

Actually, I think you missed my point.

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.  

There is no one with experience in actual real estate high up in the company, which is the problem with most tech companies masquerading as real estate companies (including brokerages).Let me know if you want to know even more. :)

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

.- PM is a licensed handyman, or has them on staff, and takes care of most unit turn work at a reasonable rate. - PM has no breakup/termination fee- PM does not take project management fees, except on large or complicated CapEx projects exceeding $5,000.