.- Personal Articles: Coverage for belongings that have a special or collectors valuesuch as Jewelry, Furs, Fine Arts, Collectibles, etc...Your age should not be a factor on the pricing but, depending on the company these other factors may get you credits:- Insurance Score (company pulls certain info out of your credit report).

You'll be stuck with twice what is owed now, and you won't collect a dime. 3.

I would put in the claim and collect.

Many opt for other investing methods in their SDIRA like private lending, crypto, private equity...anything except collectibles and life insurance.Note that a Solo 401k is exempt from UBIT on leveraged real estate so if you have self employment activity and no full time employees save for you and your spouse you should consider the Solo K as an option. 

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

@Tamika Davis One of the biggest advantages of most software on the market is to complete these tasks you mention (maintenance, leases, rent collection, etc). 

When you can borrow 80% tax free and continue to collect the income?

All but one of the family members are on board, and we collectively own the majority, but it's 55% and the bank requires 60%.

@Brent Mendenhall The best thing for any investor is to avoid your company and those like it out of respect for their investment dollars.Why is there no formal agreement between RAD and DDH Fund LP when DDH Fund owes RAD's investors millions of dollars and collects rents on behalf of RAD.

If HOA by laws state past due owners are responsible for all late fees and legal expenses for collection hire an attorney to go after the past due.