One of the major driving factors for increased premiums is the carrier's requirement for higher replacement cost limits on file for buildings. 

Quote from @John Friendas: Hey,My investing partner and I have reached an agreement where he would have the debt under his name and apply for it individually, and I would do the majority of the management (he is out of state and my income is half his).

Thats a great way to profit of $177K in a year but she did know the contractors and the has an eye for those type of quick turn arounds.You will see multifamily 2-4 units a ton of duplex 2 units for under $250K again these are usually not turnkey fully renovated properties but they will pass an appraisal without being subject to any major repairs.

ALL of my major problem tenants happened to have had a average (adults in the household) score below 625. 

Philly, like a lot of major US cities, is very block by block.

I use to tear down dozens of homes here and in Franklinton that almost blew over. not a lot in linden since they are built after 1945 and without all the major issues. 

I found this article that allows Fannie Mae and Freddie Mac loans to move the loan to an LLC: https://servicing-guide.fanniemae.com/THE-SERVICING-GUIDE/Pa...as long as I am the majority owner in the LLC. 

I put a lot of time into listing and title, so likely good there.For amenties, I do have some of the major ones referenced - hot tub, Wifi, and stocked kitchen.

Besides frozen pipes in the winter, there's also sump pumps that if not running, could flood a basement and cause major mold damage. 

Fail to produce K-1s in time for LP tax returns to completed on time, refuse to communicate with LPs, when LPs start to express frustration.Cheryl Cheryl, I'm sorry to hear this.Many investors learn expensive lessons with their early investments.Knowing nothing about this deal (because I didn't invest) I can already tell you the 24% projected return was a major red flag (in my opinion).