If I don't use the external fan I bought, the thing will certainly burn a hole somewhere precious.

I skimmed the terms and conditions of legalzoom, and although they have similar limits of liability at least they do not appear to suggest external counsel for one's unique situation.

One more thing, the unit is ready but I haven't duplicated all the needed keys yet, laundry room, external gate, front door, back door, mail box all have keys to be duplicated.

This doesnt really apply to 1-4 unit lending unless if its a local or portfolio lender however mostly applicable to 5+ multi family, commercial, and business lending. 5 C's of lending Character (integrity), Capacity(cash flow or ability to service debt), Collateral (equity in property to secure debt), Capital (networth), and Conditions (economy, and external factors)

If you buy right, you'll capture the gain then, assuming external forces don't wreck it.

The condition of the roof should be apparent externally in lots of cases.

I did hand pick the couple, trained them and sold them their own residence and 2 investment homes in same subdivision.

And you can't compare the Wilshire 5000 to quality handpicked stocks either.

Also, I actually forgot to check the windows, but the external doors were original, so the windows probably are as well.

It's not just disaters from mother nature but also from others in the complex, external factors, marketing, financing, maintenance and the image of the complex over the years.