This is not legal advice and I'm not your lawyer, etc.You have to consider the legalities and the practicalities.

ask for more - money back at settlement - guarantees to survive settlement, all chattels in buildingsadd commercial real estate to your wish list of opporltunitesif you become discourage and frustrated - go flip a few junk houses for practice and cash flowattend auctions - watch the activity closely - meet your competition - collect cards - build a buyers listdo something every day related to your personal real estate and financial goals DON'T GIVE UP!

Non professional practices will normally result in major financial losses.

I purposefully, and uneducatedly, set the replacement cost of the policy at $75k while I knew the property was only worth about $50k...not sure if that is bad practice or not but I am the type that likes to make sure I am REALLY covered! 

It's good practice if nothing else.  

.- Real estate agents, I need to start getting in touch with the current state of the market, and start translating the theoretical book learning into practice. 

Although your intentions are good and your idea is commendable, this is not practical.

HRLA is an all volunteer run landlord club dedicated to buy and hold education and best practice sharing.

I have been practicing for about 3 years now and I have really started getting into lots of podcasts and business books.

My experience in real estate is in rent.I'm interested in learning the subject of the notes.What is the best way to learn how to do it in practice?