All tenants should to be treated equally unfortunately that is not basic human nature.

As far as the tenant knows, the branch just kind of fell naturally.

The the boiler is natural gas so I am looking for estimates on how much it would cost to install new gas lines, a new boiler, and then a second breaker box etc for the electric to separate the utilities amongst the apartments.

The tax deferred nature of appreciation and the long term low-risk history of holding New York property make buy-and-hold at cash flow neutral, or even negative, compelling for investors with other primary sources of taxable income.

It's like a force of nature--can't stop the cycle.

Looking at insurance for these properties, what is generally considered to be adequate coverage, ie what should be covered and how much would be a reasonable amt.

I would get property tax returns from seller to accurately determine an expense trendline, and also make sure your ROI is including an adequate set-aside for reserves, especially for a property of that age.

Natural disasters may occur anywhere in the country so insurance up.

I was talking to an acquaintance the other day and they informed me about a strategy where one can essentially partner with insurance companies for when an insurance client's home is destroyed through natural disaster or other causes and the client can be put up temporarily in the rental instead of being put up in a hotel  by the insurance company for the time being.

Instead I settled for where I was at in life and became complacent because naturally I hate change or risks .now I have a new vision and realize no one is going to do this for me , I must create the life I want by willful actions not dreams .