The itemized damage estimate that my insurance provided me lists an Actual Cash Value that is 15% higher than my Dwelling A Coverage. 

Some townships will require certain items, like an escape window if below grade or a walkout to be installed.

I am not a rookie investor, and probably have taken enough Losses since 2001 to make most of you quit. 

The tenant understands that the property of the Tenant is not insured by the landlord for damage or loss of any kind (action of third party, fire, water, theft, vandalism, storm, heat or cold, electrical damage, pests, mold, accident, etc.), and the Landlord assumes no liability for such loss.

But, these broad market studies are so large, they are almost meaningless, in the real world.Between glut of new supply in many "hot" markets coming online, a continually softening economic outlook, inflation over last couple years making day to day items feel cost prohibitive, many average renters are strapped and seeking lower cost housing.  

If they pay late now as is, let's say they lose a job or have a temporary loss of income, you're kind of SOL.I would look to build reserves between now and August.

My investment in the Safeguard originated note was $60,000, so my loss is approx. $44,000. 

An example was a line item for alimony (I am single and have never been married).

or never, if purchased incorrectly.today's random example of how chasing cash flow can go sideways:Sell at a loss or rent at a lossalso, you mentioned buying a distressed property and rehabbing it. 

I use this type of system in a ten unit that I own because the cost to submeter each one was cost prohibitive I usually don’t include other items like wifi/internet unless it’s a furnished/short term rental.