Over the years a completely remolded the house and mobile home and made improvements to the lots and increased the rents to $2,350 per month.

I'm simplifying but by no means do those riders enhance coverage - they prevent the contract from being voided and add premium to make up for the increased risk.You're an investor with multiple properties so adding this type of rider isn't really what your initial post was about at all, was it?

I'd find this out.This would be a deal breaker if the city doesn't at leave put in writing that you can legally put in a bigger Septic tank to accommodate the bedrooms that have been added.Also was the increase in house size done legally since they weren't required to upsize the septic tank?

That would mean in so so years networth would increase by $600K if my maths are correct lol.

What Nathan said.You are following the red herring of the (real or imagined) roach problem, but the tenant just told you they cannot afford a $35/mo. rent increase in an under market rent apartment!

I also am aware that we are increasing our net worth through real estate, but we are paying so much in taxes and cannot claim the renovations or improvements on the properties we own due to our income.   

Her lawyer told her that she really needs to increase the rent she is charging her father-in-law to to $800/month, but when we were looking at her finances today, she has only actually been getting $150/month.

It is a comment about the nature of the person nothing more.

By shifting all that money, we were investing in our retirement accounts to real estate it has significantly increased the speed at which we are growing.

Think hiking, mountain biking, white water rafting and a community overall focused on all natural things and sustainability.