They don't have an incentive or fee to enable them to blow me off, do unnecessary work, or otherwise nickel and dime me or the tenant. 

If the research and interviews conducted during the Phase I reveal no contamination or potential contamination, a Phase II site assessment is unnecessary.

We have try to accommodate all the items she pointed out, but this seems to be unnecessary.

Don't forget this is potentially incentivizing the PM to have unnecessary repairs done.

On multiple occasions he had us wasting our time looking up unnecessary tax forms online because he wasn’t well versed in tax code.

I was not taught anything about investing or tax strategy as a child/teen, only to save money and don't buy unnecessary things (which is an extremely slow way to build wealth). 

This seems unnecessary currently.I am looking for more security but with a good balance of ease of use.

As an investor it seems like an unnecessary layer of the cake when I can go directly to the sponsor.

Cozy is accepting responsibility as it turns out there was a glitch in their system that caused payments missed due to insufficient funds to report to the landlord as fraudulent causing unnecessary panic from several landlords, myself included.

A reserve is unnecessary, but I still keep around $15,000 - $20,000 in my account.The point is, that you should sit down and assess your finances to determine what the worst-case scenario may look like, how much you would need to cover it without impacting your life, and whether you will need to build a reserve.