If the HOA tells you that you also need a condo policy, which they probably have told you already, or at least that's what my well-jaded Spidey-sense tells me, then you need a condo policy.I currently live in a condo (that I did not choose for myself) in essentially the same situation and I too need a condo policy, and I very much resent paying it every year and cherish the thought of the day that I will move out and sell this place.The wise thing to do if you ever intend to borrow money on the unit is to make sure that the master policy of the HOA and your individual policy are issued by the same bloodsucker/insurance agent.

So my advice is either go really low-end (expect the place to take a beating) or really high-end so it costs too much for students that cherish beer money and (at least some) tenants will be a little scared to break anything. 

@Charles Lemelle  repectully disagree with your statement that PM's Lenders and home warrenty companies give kick backs.PM's in a turn key setting are generally owned by the turn key provider. and if there is any concession its usually a concession to the Buyer ... not kick back to provider.Lenders would lose their licenses giving kick backs.. ( it could happen but usually just a beer or lunch).. no lender who Cherishes their NMLS license would risk it by giving kick backs on these small loans or any loans...

She cherishes the her house that she has lived in for the past 7 years now , however , the current tenants have caused more damage to the house in the past month then she has while living their in years combined.

It connects with people's hearts so they feel welcomed, cherished, and completely accepted.Authority charisma is based on perception of power.

Popcorn is old, but not old enough to be cherished.   

Other than a degree that's what I cherished most about college. 

Death taxes, as I already mentioned, violate a principle that I cherish - the freedom to do as you please with your money without your neighbor, your neighborhood, your city, the federal government or the United Nations deciding what you do with it.5.

forget about due on sale that's the least of your problems in these scenarios.if your seller cherishes there FIco score  and if they talked to an attorney.. they would be advised not to do this transaction..

@Joshua Hilliard Cherish this moment because it may be the only time you get to be right and the wife is 100% wrong.