However, my personal residence is owned by me and my girlfriend.What is the simplest and most cost-effective approach to asset protection for this property?

Make the letter very simple, state all the dates and the actions.

From a business angle, just returning it may be simplest, safest and the least costly route (especially if you factor in your time and any stress).There appears to be some fuzziness around the mutual termination of the lease and how the deposit would be handled here (not the least of which is not having the document).

This means we can lend across the country with simple state level registrations and are not required to have an NMLS license. 

New listings are a necessary ingredient for further home sales, so additional improvement here will be important for home buyers and sustaining home sales activity.Total inventory was down 39 percent.

Maybe the "nothing is happening there" is the secret ingredient to OH being a great state to buy right now.

The leads are the HUGE ingredient in making this complicated recipe of making money work.

One of the simplest to understand is the Gross Rent Multiplier (GRM) approach.

It’s just the simplest number to show a monthly returns (CoC) calculation.

@Jacob Rosenkranz, the simplest answer is: yes, you will very likely have taxes owed.