We plan to rebuild, but our neighbors are aging and do not wish to go through a rebuild.  

I built my first modern 7 years ago and like you agree that some (not all) moderns will age out.

Are there any investors between the ages of 18 and 25 in this group?

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?

These days, a couple of things seem to be affecting how and where college age students are attending classes.

@Kyle FitchThis is an age-old question and topic and has been answered many times, which can be found with the magnifying glass lookup. 

At his age, it’s not like he can start investing or manage a property, so I’m trying to figure out how to nurture this interest without overwhelming him. 

Go Google the average current age of electricians, plumbers, etc.

Then divide that cost by the amount of time between now and then and that's how much you should be putting aside for Capex.For general maintenance, the age and condition of the building will play into that.

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