That will change in 2H25 in a lot of markets.Expenses:  Leveling off and must be accepted as the new normal. 

Normal repairs are absolutely NOT covered by insurance.

If you join the GYM and don't go, you wasted your fee.The normal entry to the program is at one of the three 2-day Rat-Race to Retirement (R2R) events each year (March, July, & Nov). 

To me, renting an apartment or a "normal house" would cost more and I'm ATLEAST getting rent towards ownership/equity.

Replace it with a normal fridge.

I find that depending on the market $300-500/mo are fairly normal and if compared to what you would pay with a single family home on some utilities, maintenance, and management, it's a good deal.

Normally a Promissory Note would just be an I.O.U., and that's what the banks want people to think.

I think for MN specifically, a standard deductible of $5k to $10k is normal, and the wind/hail at 2% or $10k (whichever is greater) is typical for your area/state as well. 

Lost Income- normally 18 to 24 months. 

Normal comp is 100-150 bps on volume for these roles if commission only and completely self-generated leads.