The whole complex is still under construction and will be finished in 2026.

1) I’d remove all items under $100 and the landscaping/vegetation items.

There’s a silver lining, though—if the cost of the improvement is under $2,500, you might be able to expense it under the IRS’s safe harbor rule.

Hi Ben, doing this for 20 years, I’d say if you move forward, refinance your two rentals to the max they can handle under a stress test for mortgage payments.

It’s definitely possible to refinance multiple properties under a single loan, often called a portfolio loan, but it depends on the lender.

If the lot frontage is under the minimum of 25 meters, then I'd need a minor variance for that.

Tenants under value the cost of water.  

While some may find a modicum of success I find it waaay too competitive (I have seen 6 bedroom homes for under $200 a night). 

So when we had this property under contract for $92k ($95k purchase price with 3% buyer commission credit because I'm a licensed agent), it was an amazing deal.

You just need to have certain minimum underlying requirements per policy exposure.I do agree that having $1 million in underlying coverage is not a sufficient reason to not consider an umbrella policy.