Hence, no returning calls to the buyer and slow to write the offer.No offense to RE agents here, but I have found that most of them should be treated like used car salesmen and venomous snakes.

Get Auto Trade or similar magazine open to ads and place a wanted to buy ad from an individual, non-dealer.

I kissed a toad or two, but I'm happy with my current realtor (BP member Stewart Fox).

I've replied to ads that truthfully stated they were looking to build their buyers list.

I only need to ad an auto renewal to make my leases complete. 

In my experience the owner always underestimates the cost of repairing a home.Yeah i can get a two ton heat pump system for 1400 cash... " in the owners mind"However there is a lot more to adding a heat pump system and removing the old one, especially if your not doing it yourself, which the owner is thinking he would do.

Then on to adding to my buyers list.

Their explanation was added administrative efforts and people complaining, which is not true, but I am missing the correlation to adding 300% to the original cost.

So I'm not sure the deductible is really a big issue.But it does mean I may end up coming out of pocket a little if I hada small fire or some wind damage.If you could help clear some of these options up, it would be much appreciated.I'm leaning toward the new carrier because of the ease to adding propertiesand the monthly price savings.

There was a great BP thread on this a long time ago. http://www.biggerpockets.com/forums/52/topics/68041A few things I've been doing lately: smoke detectors w/ 10 year batteries, glue drain assemblies under kitchen and bath sinks (high fail rate with junk screw pvc), removing storm doors, also going to ad a storm door addendum.