.$275000 with 25% down, taxes $4080, insurance is 3000 yr and rents is $3800 month, Water $400 mth. 

In Reno and metro areas, insurance companies primarily focus on roofs, the age of the building, wiring updates, and water pipes, as mentioned @Cameron Moore.

Direction Cracks that run diagonally or horizontallyCracks that run at a 45-degree angleOther signs Cracks that appear suddenlyMultiple cracks, especially if clustered togetherCracks that widen over timeDoors and windows that don't close properlySagging ceilings or leaning wallsSigns of water leakage  -------------------------------------Just annoying stuff...fun, huh?

However, most tend to get very watered down with sales pitches etc.  

They'll steal your copper, hot water tanks, furnaces and electrical wiring.

Just starting to ever so lightly tread into the water....

To ty Coos county and Bend together brought back memories of a trip I took in the late 90s when Bandon Dunes first opened.Friend of mine in Santa Rosa has a home at Cross Water and a hanger there at the airport and of course a nice turbine twin to put in it.We departed SR for Bandon  played golf that day spent the night at  Bandon dunes  got up early  played 18 holes at Bandon again jumped into his bird flew over to Sunriver got there by 12  teed off at cross water at about 1pm and played 18 holes there.. so may one of the few 4 somes to ever play Bandon and Cross water in Sunriver on the same day  LOL..   

I know some might disagree.The challenge is if someone applies and meets all your criteria and you reject them, I would hate for you to end up in some legal hot water.

However, I think some upcoming life changes may be the right opportunity for me to dip my toes in the water in real estate investing.I live in Pflugerville, TX (25 minutes from downtown Austin) and will soon be moving to Portland, OR, for my dream job.

Taxes are half the cost compared to CA and insurance is lower if not by the water.