This agreement with your general contractor acts as a roadmap, with clear expectations and protection for all parties involved.One frequent mistake is the failure to include sufficient detail or being too vague.

The reason we supply a couple packs is to avoid the cheap knockoffs. 

Does this kind of increase seem reasonable?

Once your emergency account has a reasonable amount in it, whatever that means to you, you might want to think about steering that payroll money into the investment savings account from each pay check and leave the emergency account money as is.

Throughout the year I come across situations where people need to sell there home due to a variety or reasons, job loss, income loss, health, divorce, etc.

And, know this: the #1 reason why landlords fail is their failure to manage to the lease. 

Brett,I have never heard of that company but any reason why your not using an FDIC Bank or well known lender? 

Quote from @Patrick Druryck Drury: @Srikanth Kumar200-250k is a reasonable price range in Cleveland for something that cashflows. in terms of areasI would recommend being in areas on the West Side of Cleveland like West Blvd, Cudell, Old Brooklyn, Clark Fulton, Edgewater, Jefferson, and Brooklyn Centre.

Basically they'll come up with reasons as to why the "guarantee" doesn't apply to your situation. 

I used to live in Tokyo for 6 years and would like to find a reason to go back more regularly but let me know if you want to connect!