I also have  too many toys 

@Tim Thornton thanks for reaching out to me on a PM, which inspired me to add more of what I know on this topic.Just a reminder that I speak here not to tout a company's toys but as a passionate traveler and host with a knack for tech that actually works and makes our lives easier.

I've invested in Cleveland and the San Francisco Bay Area....................I am toying with the idea of Detroit.....

You will hear a lot of no before you get to yes.

Money is wasted on eating out, unnecessary toys, kids sports, cell phones, cable TV, car payments etc. etc.

"Excess of normal wear and tear" is not "negligence"...Think negligence as unintentional damage caused by the tenant..things like: candles left burning, stove left on, cigarette on couch, kids stuffing a toy down a toilet, causing the water to back up, etc...That stated, your comment: "Additionally, the renters liability portion would also be another layer of protection between visitors and guests and the landlord.

The benefit of BRRRR would be lower tax consequences than a flip.The disadvantage MAY be that lenders sometimes are giving some hard time on how soon after the purchase you can refi and get money out, or more specifically what refi value a lender will agree to use - talk toy our lender more carefully about it. 

It's tidy but nothing really matches and there are baby toys in every room lol.

And many hangers like in our Condo plat were made into man caves and those that bought them has all sorts of toys in them and not always had an aircraft. 

I have toyed with the idea of electronic payment.