I just fell like it provides a layer of protection.  

But having systems in place is vitally important.  

The only thing unusual about the roof is it has two layers and the top layer is wood shake (cedar I assume).  

The layer of comfort for the lender is worth the few bucks it costs.A private loan is just two documents here in Georgia.

When doing real estate, it is vital to use people who are in the market of your need ( i.e. real estate = real estate attorney / taxes = real estate tax professional).

Thanks those are good points, I have been doing a lot of research into costs of certain properties as this is vital for how much I can bring home each month.

If your septic tank pumper is concerned about quickly accumulating scum layers, reduce the flow of floatable materials like fats, oils, and grease into your tank or be prepared to pay for more frequent inspections and pumping.Washing machines:  By selecting the proper load size, you’ll reduce water waste.

I know there are a lot of people who think you should always use someone else's money, but to me it just adds a layer of complexity to the deal and slows things down.

This is vital.  

One thing I want to do is make up a "packet" with pictures of the property and the vital numbers.