You said public water was available...would the lots require a septic system to be installed or is public sewer available? 

it depends, you going with an 80% efficiency system or 97%?

I think our cooler climate and fresh water resources are going to attract a lot of population in coming years, especially as CA/FL become impossibly expensive for many people. 

We're improving units, management efficiencies and bringing rents to market value.

A key factor here is leveraging your equity efficiently while considering tax implications.

(we charge the same Processing Fee as depositing to our bank)4) Pay online using their tenant portal (we absorb the small fee, to encourage this behavior as the internal resources saved more than cover that fee)We understand we have scales of efficiency a DIY landlord won't.

(Then we’d just start a commune, I guess.)The Setup: Living My Best (Small) LifeI bought a 2BD/1BA home with a private efficiency studio.

.$275000 with 25% down, taxes $4080, insurance is 3000 yr and rents is $3800 month, Water $400 mth. 

In Reno and metro areas, insurance companies primarily focus on roofs, the age of the building, wiring updates, and water pipes, as mentioned @Cameron Moore.

Direction Cracks that run diagonally or horizontallyCracks that run at a 45-degree angleOther signs Cracks that appear suddenlyMultiple cracks, especially if clustered togetherCracks that widen over timeDoors and windows that don't close properlySagging ceilings or leaning wallsSigns of water leakage  -------------------------------------Just annoying stuff...fun, huh?