We've seen our area MLS which covers about 20 counties come down to an average sold to list price ratio of 95.1% and Knox county specifically has come to 96.4 % which is lower by about 2% from this time last year and down from our peak this year of 98.5%. but it's about in line from winter 2022 into spring 2023 which was a time when rates were rapidly rising.

You can have a picture with me anytime, for FREE. :)Travel to Houston is on you though.   

Just ensure that the projected rental income comfortably covers the new payments, including the HELOC.

Adjust this with seasonal occupancy data for a clearer annual picture.

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

As I got liability insurance, an umbrella over for $3 million to cover myself overall, I called my insurance agent.

You need to be skeptical of track records that only cover the last 8 yrs.  

I think your points cover my limited knowledge on this.   

It appears the only thing I'm not covered for now is resolutions.

If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).