Although we do have CA Fair Plan fire insurance on it.Any guidance would be much appreciated.

Appreciation is fairly easy in bay area and anywhere in CA.

Hi Tanjaree, here is what I found for the Waco metro area:Here are my rankings for zip codes in the metro area from best to worst-1.76706 (Waco) 2.76638 (Crawford) 3.76710 (Waco) 4.76630 (Bruceville) 5.76704 (Waco) 6.76640 (Elm Mott) 7.76708 (Waco) 8.76633 (China Spring) 9.76712 (Woodway) 10.76657 (McGregor) 11.76701 (Waco) 12.76691 (West) 13.76705 (Waco) 14.76655 (Lorena) 15.76643 (Hewitt) 16.76707 (Waco) 17.76711 (Waco) 18.76557 (Moody) 19.76682 (Riesel) 20.76524 (Eddy) 21.76624 (Axtell) 22.76664 (Mart) 23.76654 (Leroy)The Waco Metro also rates slightly above average compared to the rest of the state, making it a fairly safe bet as far as Texas goes. 

I have heard these tenants are difficult particularly with the house maintenance and timely payments that I why I like to have more of a security deposit, just in case no payment or damage to the house happens. how more fair can it become?   

I feel like those with cash right now are going to get the best deals...market is softening and fair-weather investors are bailing.

.- Legal Compliance: Tenant screening helps property owners comply with fair housing laws and regulations.

. $4k deposit is probably a fair deposit.4.

And if I like them, I offer a fair renewal. 

I got a quote for the two projects and I just wanted to get your opinions if you think these are good estimates - high, low, or fair?

It happens fairly regularly at our lake house.