Some carriers require limited water damage coverage depending on the age of the property and age of utilities.I would recommend at least 25% (ideally more) when possible and if you're limited to 10% you should make sure you cannot purchase another policy for a similar price.

If the age of your equipment is older, or it stops functioning, those repairs can also add up.

Many basement access doors are not 36" wide depending on the age of the property.

As we age much of a fear is being a burden to our children.When we are raising them we strive to provide for them.

Surplus line is what I have been looking for as I am involved with an older property that is typically found to be uninsurable by a lot of other mainstream insurance companies due to the properties age and some of its original features and surroundings, I just have a question and have done some reading on this and it's really not too clear and it sounds it can go either way really with this and I'm fairly new to all this so I am learning a lot of things as I go but should the private non traditional mortgage lender be listed as additional insured while the person occupying & buying the home and also purchasing the property from the lender be listed as mortgagee?

If you care to learn about the distinctions, read these posts:https://www.biggerpockets.com/forums/517/topics/1215989-expl...https://www.biggerpockets.com/forums/51-tax-legal-issues-con...2.

In this day and age of zoom meetings and working from home, I don't believe there is much of a difference between investing in the US vs Australia if one is based in China.

As my parents age, I am assisting in their property management of their primary residence and would love to connect with other real estate investors in the area.

Those numbers are arbitrary unlike taxes and insurance and they vary based on age, condition, area, landscape, PM, and other things.

As such, they are not able to set aside sufficient funds for inevitable capital improvements as the community ages.