Flash,  Going no fee is an even better idea, I need to look into it. 

Occasionally I have made a mistake and let some folks in that weren't the best neighbors to the other folks at the property.

Most around my area and the ones I've been calling will only offer 70% occasionally 75% for investment properties and again these may be subject to commercial terms and rates with shorter draw periods.

Here, the extra percentages make up for the occasional loss, time value, legal, headaches, etc.If you’ve done enough loans, you know your default rate and should be able to calculate the required percent increase.

I would love to make OCCASIONAL specific "niche" unique lists for myself, for small neighborhoods or specific areas/etc.

For example, I have a small HELOC on one property I keep as an emergency reserve and to take advantage of occasional opportunities that pop up.

As a hard money lender who works with many investors in the Portland area, I can share some insights on maintenance costs for multifamily properties in this market, though individual experiences may vary:Lots of investors report a slight decrease in maintenance costs during winter months, bc of:- Fewer landscaping needs - Less wear and tear on HVAC systems (as heating is generally less intensive than summer cooling)- Reduced tenant turnover in winterWinter-specific issues can arise:- Potential roof repairs due to heavy rain or occasional snow- Gutter cleaning and maintenance to prevent water damage- Heating system repairs or maintenancePortland-specific factors:- The mild climate helps reduce extreme weather-related maintenance issues. - Older housing stock in some areas may require more upkeep. - Strict local regulations can also sometimes increase compliance-related maintenance costsCost-saving strategies I've seen help:- Preventative maintenance programs can help reduce overall costs obviously - Some investors report success with in-house maintenance teams for larger portfolios- Energy-efficient upgrades can help reduce utility costs in the long runYour specific costs will depend on factors like the age and condition of your properties, your management style, and the specific neighborhoods you're invested in, but hope this helps!

I occasionally have to do unclaimed property claims related to the estate work I do as the attorney for an estate (unclaimed funds in the decedent's name). 

And members crashed them occasionally a couple went into the ponds and some broken feet ( dragging their feet) but to me if you have guest and they let a teen on them with little to no experience if they hit something or someone they could really do some damage so based on my experince with them I would never do this personally.

this is pretty common I know I have 12 LLCs in 10 plus states we miss renewals occasionally as well..