Now for the next hiccup, spoke with the health department today, they are saying the entire septic system will need to be replaced because of a change of use.

For the second end cap which is the 3rd unit that had leak (Jinya Ramen) he said the roof drain was the issue, said Carlisle would not cover either, gave quote to replace roof drain for $2300. 

Had one flooring store recommend glue down, they said this is better than 20mil 5mm snap in LVP flooring, as the snap ins sometime break and you can easily replace a glue down.Another flooring store recommended "loose lay flooring" basically that is similar glue down, but has sticky material on each board. 

In July we replaced a broken sewer line for $8,500.

Roofs may not get full replacement cost if they are older than 10 years. 

Sewer is almost always more expensive to replace than inside plumbing, because of pipe size, depth in the ground, etc.

In my experience, the insurance adjuster is the one who identifies damage and determines what needs to be repaired/replaced, then the roofer is hired to complete that work.

You will want to perform a proper dry out of all materials and replace as needed, treat the area and have the lid put back together of the downstairs unit.

But it becomes a simple math equation:  $$/month income to replace divided by the average dollars per month per unit owned will equal the number of units you need to own to replace that income and get toward FIRE.  

So I am trying to learn as much as I can and at the same time figured that renting my current home might be a good way to get some experience with a bit less risk given that I know the ins and outs of the home in terms of what is more likely to need replacing/fixing and I know the area to be able to source vendors.