We have a chronically ill child, insurance is sky high, we cannot afford them to leave us with two mortgages. 

That said, me being the chronic optimist I am, I'm glad I came around to the idea of investing now instead of right before retirement.

Is there such a chronic shortage of skycaps in Nashville that we have to import them from Florida?".

In addition, getting the HOA to address and pay for HOA-related issues that directly affect your unit (bad foundation, chronically leaking roof, crumbling wingwall) is a time-intensive, often fruitless process.The problem at the middle/upper-middle income complexes is that you still have people on the board who have no business directing a management company and each member fights to get what they want and not necessarily what is best for the complex.

Insomnia caused by an addiction to internet forums

Still, as a chronic fence sitter I envy you. 

I agree that some tenants are chronic complainers and will make your life difficult no matter what you do.

Hope that made sence, it's early....I see Don suffers from insomnia as well this morning, LOL

Great story :) My insomnia lately has allowed me alot of time to work on my real estate projects.

In working with insurance companies I've found that they rarely cover mold issues as they consider it long term or chronic in nature and their policies generally only allow flames of acute or emergency situations i.e. plumbing breaK or leak, wind, fire, tornado, earthquake, hurricane, etc.You may think it's a good deal now but once you start digging into it it's like a dentist digging into a cavity.