City's with radical liberals in power like to throw unenforceable laws on the books.

Whie DOS lender risk may or may not be high, being ininsured is... well, enjoy your 'asset protection'.

Humans are highly influenced by recency bias thus the cash vs equity conversation swings back and forth.

The easiest solution to combine your two Stessa accounts would be for you to add the email address you have associated with BiggerPockets as a collaborator to your already active Stessa account.Then log in with your BiggerPockets credentials (as that collaborator) and it should upgrade your Stessa account.Here are some easy steps to follow: https://support.stessa.com/en/articles/2105533-the-power-of-portfolio-collaboratorsIf this does not work, please message [email protected] and we can work with Stessa directly to get you set up.

And you get feedback at a level high enough to determine how to proceed. 

Off street parking is typically more important for high end/expensive rentals.

- Highly recommend REQUIRING tenants to get Renters Insurance and adding you, as the landlord, as additionally insured.

They wrote me Commercial policies with high limits....only $100 mo roughly, never had a problem.I would just ask the company that handles your current home's insurance....some will do STR insurance, some won't.

Anyone that is looking at your assets is always going to need to factor in property management, so you can show that as a real expense (and really make it as high or low as you want).I work in a vertically integrated real estate and development company, and I cannot imagine how things would run if we did not have an internal property management company that essentially works for the other companies but also stands on its own.

About me, most of my assets are RE but in another market so I would be diversifying in that market.Potential for appreciation is very uncertain: prices have risen a lot locally lately and are as high as they have ever been, and it’s unlikely higher prices would be affordable by locals.