It applies to certain components only, such as carpets, appliance, fences etc.4.

Once we jump over our ethical / pro standard hurdles, it is up to the client to pick between Option A and Option B.Find someone that is aligned with this way of thinking, and that you can have open and free communication with.

Love your insights and valuable experience. some of them do align with my later findings and specific info that I did not reveal yet. 

Insuring old housing stock can certainly have an added insurance component. 

In that case, it may make more sense to convert existing components of a home (attached/detached garage) into additional rentable space rather than building an additional structure.

I have clients right now operating in the black and they are doing it because they are aligned with a great team for management @Alice Horn and they purchased with a clear plan to move forward. 

Make sure your portfolio and goals align.2) Global real estate portfolio review - Look at all your properties and investments combined.

What you're missing is alignment of personal values and your current main work.

First, its best to identify a strategy, choose a market that aligns with it, and establish your Core 4.The main challenge I observed is that individuals often lack a clear end goal or strategy, or they select a market that doesn't align with it. 

Can you just replace the roof yourself, then apply for insurance with any different company and not mention the roof just like you wouldn't call out any other component of the property?