If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

I have a nice fancy fax machine I purchased about 4 years ago.

Nothing fancy by any means. 

These funds can be used to budget for routine maintenance, debt reduction or property renovations.

There are also lots of fancy doodads on some of them where you can save money on fuel, or feel good about saving the environment- if that's your thing.

No fancy TV room needed. 

Which is a fancy way to say a landlord can eat a minor net loss for a few years if there is many many more years or following profitability.     

Just routine maintenance.If I were to take the proceeds from the building and place it into a CD paying 4%, it would more or less amount to the total return I make in monthly cash flow and monthly principal pay off.

If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

Do you meet with us routinely to be proactive and do planning?