To defend something like this will cost you $25k+ but they will settle out of court for a Quarter pounder with cheese a large fry, small strawberry shake and $5k and wipe the note clean.

Do quarterly inspections, eliminate all factors that will be a issue, fridges with water lines for example, and tenant proof your properties with the proper materials.

Not doing quarterly inspections will be the most expensive mistake one can make IMHO.

Would you consider that quarterly lump sum an advantage or disadvantage?

Just easier that way.For properties where that option isn't avaialble we pay the insurance quarterly because the insurer we use for a good number of our properties gives us that option.

He gets a check every quarter with his cash flow.

Central PA, i heard has over 190 new realtors entering every single quarter... (3 months )

Cash distributions from my experience have come quarterly which is a nice boost in those months.  

When you get back 9 time in 10 the response is no.Inspect your properties regularly (quarterly) and immediately issue letters to correct problems or hire a contractor to repair tenant caused damage.

The gravel driveway to the property is probably between a quarter mile and half mile (really long).