.: I'm waiting on a seawall permit which was filed last month.

If your new servicer wants to play games, file a complaint with the CFPB and dispute with the credit bureaus.

It occurred to me today that I've never asked about umbrella insurance claims.I’m particularly interested in real-world examples where this type of policy came through during:Property damage (fires, storms, floods, etc.)Liability claims involving tenants or third partiesMajor unforeseen eventsIf you’ve ever had to file a claim and your umbrella policy saved your bacon, I’d love to hear:What happened?

But I noted that places like North Tonawanda as @Pravit Jarriyapurttipong mentioned are actually outside of Erie County, it's in Niagara County, which follows the stricter landlord laws as New York State... https://ag.ny.gov/sites/default/files/changes-in-nys-rent-la...Would you recommend sticking to Erie County boundaries for this purpose?

I haven’t made any profit yet and I’m wondering if I should still file taxes for my “business “. 

When filing the LLC return, it is important to ensure that these liabilities are accurately reflected on the balance sheet.However, it's essential to note that distributing the refinance proceeds among LLC members could potentially be viewed as a taxable event if there is no intent to repay these amounts to the LLC.

Thank you, Adam  Hey Adam, obviously Bias here as we are accountants, but yes with three properties is definitely worth hiring a CPA or tax specialist that focuses on real estate to ensure all your taxes are filed compliantly, properly, and you're getting all the deductions possible.

One of the major driving factors for increased premiums is the carrier's requirement for higher replacement cost limits on file for buildings. 

Quote from @Jin Zhang: You initiate the process by filing a 3-day Notice.

No offense to realtors but how a property is set up or length of time it has been rented for has no bearing on the legality of the property records on file if they differ.