I wouldn't think BP would want to promote  anything even approaching the question of morality. 

Any tips on how to document the damage effectively or how to approach the adjuster?

I personally use the income approach.

With your return on equity currently low and your desire to step back from hands-on investing, this approach makes sense.

This gives us a broader perspective on how market dynamics are shifting over time.To recap: Strong List to Sold Price percentage and relatively quick Days on Market suggest a healthy and active market in Montgomery.If you're interested in a further break down of any of this information or would like to know more about the rental market please let me know.

Overall, it could lead to a more cautious approach to buying and selling, with more emphasis on long-term holds rather than frequent exchanges.

This approach helps to avoid being taxed on appreciation and allows for higher depreciation in the future.

Most lenders are charging 2pts these days, but I'm starting to see that approach 1pt or less, especially for experienced borrowers. 

However, in hindsight, I wouldn't take the same approach again.

How have others in a similar situation approached this?