I focus primarily on the upper valley but I can refer you to people who specializes in the Brownsville/SPI area.

Consider specialized insurers like Nationwide, Farmers, or Liberty Mutual, which may offer policies tailored to multifamily rental properties.

I'm not a CPA (although I do know a great one that specializes in RE specifically) but you can run a cost segregation study to accelerate depreciation into the first year to help on taxes (although this is phasing out, but can still be powerful), and may help with your plan to do Roth conversions. 

@Orhi Tahi I used to work in a bank's REO / Special Assets Dept.We were inundated with communications from people just like you and ignored EVERY one of them. 

Here's the list of things I disabled for the Nest in my properties for those doing research:- Home/Away Assist: Off- Time-to-temp: Ready (Didn't touch)- Early-On: Off- Cool to Dry: Off- Sunblock: On - Ready (Didn't touch)- Leaf: Ready (Don't remember touching, but could have been enabled during setup)- Airwave: On - Ready- Lock: Currently off for one property (debating if I want to lock the thermostat at 68 for cooling and 78 for heating - and taking special requests from quests) 

You also have the possibility of getting hit with special assessments over the years... these assessments can often be in the thousands of dollars.

I’ll start with one that was only doable under the special circumstances of the late 1970s early 80s.  

Do you specialize in residential or commercial market?

Make sure they do not have a high turnover rate.5) Cleaner is bonded and insured6) Yes, it is safe to give a cleaner a key.

This will happen with high frequency borrowers not every deal is perfect and some need special attention and so With folks like @Jeff S. and I we hop on the phone and work it out or have face to face and work it out..