just looking to get some advice on the best companies out in Denver for homeowners insurance on our rental.

@Hilda Cervantes PMC and agent are all you really need.They can both find handymen for repairs, just make sure they are properly licensed and insured.

Would love a beach house next, but not sure after the increase in hurricanes and insurance. 

rent is still growing, but I have a great tenant base and we are looking for stable tenants.

Not all insurance is the same.

Having a SOLID umbrella insurance policy is really what is necessary.

I would think that if the tenant is paying for the addition, they would want to have a minimum of a 5 year lease, if not a 10 year lease in place in order to pay for the improvements.As in any real estate investment it is risk reward, I think with the current market and a stable vet tenant, that if you can get a 5+ year lease, it would be worth it to let them expand.If you are worried about value, you could always talk to a commercial real estate appraiser.

By embracing realistic pricing strategies, brokers can better serve their clients and contribute to a more stable and trustworthy real estate market. 

Subject house math:-Purchase: $200k-Closing, rehab, to date carrying costs: $65k-ARV $400-425k-Rent $2900-3100-Taxes $9k a year-Insurance $1500 a year (Estimate)My math works out that if I refinance and pull all my money back out (LTV ~62%) I will have a total monthly cost (Tax, insurance, P&I) of about $2450 leaving roughly $500 cash flow assuming I manage the property myself.

Check Greatschools.org or Zillow.com for school ratings.Investment Strategy:A-Class Properties: Lower risk, lower return, suitable for long-term investors looking for stable, high-quality tenants.C-Class Properties: Higher risk, higher return, appealing to investors with limited capital who can manage more properties for less initial cost.In summary, choose your investment neighborhood based on your risk tolerance and desired return.