I've read that some states do not guard the beneficiary as well as others.

Whatever sort of marketing investors use at some point we'll be caught off guard (unless you have VAs handle this) with a call from an owner responding to our inquiries.I for one keep pens and paper everywhere in my office, car, kitchen, bedroom.

He describes four cities — Denver, Austin, Charlotte and Nashville — as the “new guard,” fast-growing cities that are ripe for investment.

I like using a 24" metal paint guard and wiping after each pass with a rag.

I wouldn't be surprised that some Chinese were caught off guard when the new regulation was put in place.  

I use REI Guard for all my properties but they only cover typical losses due to acts of God, weather, the usual, etc.  

I do know that cost is what makes up everything, the biggest items being earthquake and then anything related to community security like a guard (we don't have) or cameras and server etc. and in some cases where the HOA needs to replenish reserves based on some updated reserve study.

For us "buy-and-hold" investors we get the added deduction of "depreciation"...but people are sometimes caught off guard with how these deductions work.  

This is why you now "recapture" the other $3k and pay taxes on it.Depreciation recapture catches people off-guard in two very common situations:A.

@Serge DuLaudAllemans I got approached some time/years ago by a person who wanted to interview myself for a piece and what caught me off guard and grabbed my interest was the way she said it of interviewing myself and persons like me who fundamentally think different then everyone else.