Years ago we didn't require it and just recommended it to the tenant, but it's so cheap and gives our insurer something/someone to abrogate against should we have to make a claim that we don't allow it to be optional anymore. 

No ghosting allowed here!

However if you try to charge $20 for each piece of tape or something else egregious I would expect a magistrate to consider that usurious and not allow it.

They needed a lot of work and we have been able to get them at a price that allowed us to afford the repairs.

We have put together forms that allow us to scope out properties on a walk thru and be pretty close to the final cost. 

Can't allow mistakes here.I am told & believe that the "SubTo Community" is Videos and "group think" with NO "One on One" training,  meaning if you have a question, you can ask neophytes who give their opinion, but not based on experience.

I think there’s some sort of option of to do a little refi on both house 1 and 2 and get the money needed to wipe out the line of credit(allowing for bigger flip opportunities, especially if I partner up with someone) and also renovating that garage space with the private investor as long as it is under 1000/month.

If you're allowed to object and you're still within your objection period, you may want to review your title commitment for objectionable matters that may give you a right to terminate without penalty.

You allow other people to create your equity.

This allows you to work with your chosen professionals while still benefiting from Lula's platform for coordination and communication."