Regarding the decrease in rates by the fed, the 50 bps doesn't necessarily translate into a reduction in mortgage interest rates by half a point. 

My intention is to understand the trending areas within the country and the factors that are motivating the population increases/decreases throughout the nation.  

If we reduce leverage we may get lower cash returns however we do increase our ability to 'stay in the game' and not be forced sellers should rental rates decrease or vacancies rise.

You'll certainly see a higher rent rate and at the very least see decreased vacancy by providing appliances (or at least you should).

I expect once we all return to our offices, we will see a decrease in square footage requirements as employees push for partial work from home policies. 

The thing that's confusing me is that property taxes and home insurance estimates decrease, and I am not sure if this is accurate.

This will decrease inventory, making it harder on tenants looking to move.  

Biggest downside of the HELOC, in my opinion, is that the interest rates are variable (although mine has actually decreased since last year).

If you get to many "dings" on the Renters Legal Liability policy, rates will go up and you could decide to end it and go back to individual Renters policies and their headaches at that point.4) Incorrect - This $100,000 limit (which is more than most Renters policies provide by the way) is dedicated to fixing your asset first (just like you would want), but if the $100,000 limit isn't used up fixing your asset then your renters have up to $15,000 to cover their personal property.In summary, the product costs about the same, provides coverage to the asset owner FIRST, requires no tracking/monitoring by you or your staff, doesn't open the owner up to exposure between when you find their policy has lapsed and you get it corrected, and will decrease your P&C costs. 

Hey BP. Here’s the situation. One of my tenants has been only working part time because of this pandemic. For the past 2 months she’s been allowed to split up rent payments with no late fees. I offered to allow her to...