Also, while I completely agree with you that a wet grass short cut is on the tenant in terms of responsibility, I had one slip IN THE RAIN in a garden style open building and still got $75k in settlement.

Veterans like you have sacrificed so much in order to protect the land that we not only call home, but - in the case of us real estate investors - depend on for a living.With that said, I'd love to help you house-hack a property in SD with a VA loan.

Certainly a life style choice and a bedroom community IMO. 

The insurance company did it's job - but now you have to pick it up and run from there.Spending 150 to 300 extra per year to max out your liability limits won't change your insurance agents life style - however if you get sued without having the high limits it WILL effect yours.

I would look for properties with comparable bed bath count, sq ft, home style, etc.  3 recently sold, 3 active, and 3 under contract all within the vicinity of the subject property. 

I am not opposed to making it a traditional rental, if I can find someone who could equip it with a well-qualified tenant, but I think I may be sacrificing my margin if I do that.

Hey BP,Does anyone here have experience in submetering 5 unit townhome style apartment buildings.

They are much more efficient and easy to swap out with the existing wiring for your old style radiant ceiling heat.

If it's got a single furnace, or old "octopus-style" oil heater, many investors would run. 

The problem I have had is that they do not come in the decora square style design, only in the round design, which I like less.That's definitely the easiest solution though!