A lack of planning on thier behalf does not create an emergency on yours. 

Then, an emergency fix, massive labor costs, leads to a huge special assessment, and you have to pay in all the cashflow you may have received over the prior few years.Windows, they love to replace them.Let's also not forget, the city is about to raise property taxes.

.$6,000 on an installment debt because the sewer line collapsed last year. 5.5% interest $175 per month.Personal Loan $1500 repaid at $250 per month (balance of the land contract after deed was transferred.)Own free and clear a 10 year old mini van that runs pretty well.I have $2800 in a Roth 401k and $1500 in a Roth IRA.I work in 100% commission sales as a mortgage originator and income varies per month from $0-10k.We drained our emergency fund last month due to some health issues.We budget $2k per month for bills and try to keep $1500-2000 in an emergency fund and liquid.

In 2009 FEMA was bankrupt and was extending the flood insurance coverage by a nation emergency order, monthly. 

Landlords entering with no notice in non-emergency situations.The internet is a two-way street.  

Definitely will look more into those repurposing plans as they emerge Will make sure to visit Germantown/Mt.

Minneapolis Landlords, I'm looking for a person or company to handle emergency repairs.

@Mat O'Grady, generally in many states, you're right that tenants cannot withhold rent for non-emergency non-uninhabital problems. 

Emergency reserves4.

I never spend more than $250 on an emergency repair without having the owner on the phone. 95% of the time, repairs aren't an emergency.