At the end of the day, these carriers are insuring based on risk profile and they are carefully reviewing real time data that tells them whether its a market they want exposure in and how to price that exposure. 

They do help with reviewing our reports from our property management companies to identify spikes in utility usage on vacant properties, reviewing expenses to make sure they were approved, vacancies, etc.

Nevertheless, fwiw I'm attaching the endorsement below for peoples review and thoughts. 

In the Phoenix market, I haven’t encountered a wholesale deal in the past year that I would consider a good opportunity, despite reviewing hundreds—well over a thousand, in fact.

If you can get 10 or 20 landlords to kick in $100, you can have a lawyer review the docs and laws and regardless of the review, send a letter threatening legal action. 

Count Cases Individually: Review each case listed in the docket to identify and count all legal actions against the property.

Thanks to zoom, many musicians are teaching lessons online so they have a wider audience and can operate from anywhere. 

I'd attack the credit report :) 1) lower (pay down) whatever accounts have a high utilization percentage 2) contact each of 3 major consumer credit agencies and get a free report, then dispute every hard inquiry that is *NOT* associated with an open account 3) call the credit cards you already have established and ask for a credit line increase -- often can be done online and they do not verify income, hint hint. 

Online you get pitched way more than you get connected, although you can make great friends here.2.

In another year as interest rates come down, and the boom of cabins that came online over the last two years starts to get sucked in, I think there's going to be a return to solid and steady growth in demand for new cabins.I love my numbers eithe way though.