maybe only be extra $40,000 to build open loft... and I would guess I could possibly charge $2000/mo rent, not sure>>***I was kinda crunching numbers...if I'm estimating it correctly it will take me over 4.5 to 6.5 years in excess rent to make up the cost of building the private loft.....does that seem worth the extra loft cost?

California charges a minimum tax of $800 a year per LLC, and more if you have gross receipts in excess of $250k.

A nice looking finished basement will go south real quick with moisture and your tenant will soon be displeased (rightfully so) about the nice basement they initially thought they had.See what the market is doing, but also consider what your specific property factors are. 

Beyond that, any excess cash I have will either go into investments or into savings for a down payment on my next property that I can house hack again.

SPC is great for moisture-prone areas like kitchens and baths, while WPC is softer underfoot and ideal for main living areas.

However, excessive shifting could indicate that the opener isn’t secured tightly or aligned correctly.

If the insurance company sends me a two party check can I accept the excess funds without penalty?

Of course they still need to meet the other criteria, but I do think 5x is excessive. 

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

As a dedicated and hell of an agent, I find this approach is weighing me down with excessive work.Even as an investor, I struggle to understand their strategy which wasn't disclosed until after the fact (signed rep agreement) three weeks in.