Although I agree with you 100% that gurus are the bottom feeders of this industry, and they unfortunately seem to be breeding like rabbits, are you saying you sent $47 worth of postcards?

Some optional coverage that may be valuable for you (depending on the propery):- backup of sewers & drains- Ordinance & Law (if building codes require rebuilding differently)- Personal Injury (Liability for Libel, Slander, ...)Non Insurance Risk Management ideas that you can look into are:- review your contracts- require Tenants to have a Renters policy- look at advantages of LLC for each property- Pet policy (many companies will not write policies if certain breeds of dogs are at the property)

Contractors are an interesting breed and each has their way of how they like to do things as well as type of projects/people they want to take on.

Competition breeds achievement.

Both of these allow for several levels to go in either direction.How about the type of housing: cardboard box, tent, mobile home (aka trailer), rowhome, twin, mansion, apartment building.Or even the three little pigs types of housing: straw, stick, brick.You could also use dog breeds, or zoo animals, for different tiers.

Activities that consist primarily of breeding, training, showing, or racing horses are presumed carried on for profit if they produced a profit in at least 2 of the last 7 tax years, including the current year.

Hi Michael,Commercial brokers are a different breed than many residential agents.

My insurance will not cover bully breeds, which are the majority of the rescue dogs I've seen on the websites.

However, they're actually on the prohibited breed list for some insurance carriers: https://www.scoutknows.com/getting-dog/most-common-dog-breed-restrictions-apartments/If it were me, I'd advise your client to pass, especially if it's a nice newly-renovated unit. 

It takes a certain breed to be a landlord, and I ain’t one of ‘em!