This home features 2 plus bedrooms~ w/1st floor bedroom/office~ 1.5 baths~ Hardwood floors throughout~Freshly painted~ New vinyl flooring in the cozy eat in kitchen w/ new refrigerator, dishwasher, microwave, and gas stove.

., furnishings, refrigerator, washer, dryer), Loss of Use (“Coverage D”) (i.e., lost rents), Personal Liability (“Coverage E”) and Medical Payments to Others (“Coverage F”).

I’ve heard of installers that don’t even pull a vacuum before charging refrigerant and that would be a nightmare scenario for the homeowner.

Figure out ongoing costs to deduct from that income stream -- vacancies, reserves, property taxes, insurance, return on investment, capital goods (stove, refrigerator, washer and dryer, et cetera, et cetera).

For example, I left a brand new, high end stainless steel washer, dryer, and refrigerator in the house thinking it would increase rent potential.

Sometimes scratch and dent work, but I have had one poor experience with a refrigerator that had a lot of internal damage (like it had been dropped). 

Basically, as a homeowner you can justify living with out heat/ac/water< refrigerator, whatever it might be, because you’re personally saving money.

A few months back I purchased my first multi family property as I was told throughout my reading and research you should always put money aside for incidental fees such as minor repairs around the property and big ticket items roofs windows floors boilers etc.My question is I have a home warranty program that covers boilers hot water tanks electrical refrigerators microwave washing machine plumbing etc. do I still need to put money aside for repairs?

Each has three electric baseboard heaters and a refrigerator.

A refrigerator is on a 5 year schedule.