A young guy I know bought a cute vintage camper, sprayed it black, cut a window in the side and built it out as a mobile coffee shop, which is now parked outside of events and staffed with college girls.

Make sure the policy covers not only accidents on the premises but also any potential caregiver liability.Staffing: Staffing can be both your biggest challenge and your greatest asset.

For example, if an HOA establishes a rule regarding exterior paint covers, deed restriction enforcement would be with that HOA.It is important to be aware that liability for breaking a covenant rests with the titleholder to the property, even if that individual is not the one who technically engaged in the deed restriction violations.

I am not familiar with Philly or the technical questions you pose.I am thinking of this from a purely investment aspect.  

I am under contract for a 5-plex which is technically a commercial property.

Once you go to 5 units, the property is technically considered commercial property to banks so you'd need to get a commercial loan. 

Is it staffed? 

Natalie did a great job explaining the technical aspects of deducting BPCON travel costs, but her post assumes that an investor already operates their business, which you do not.

I have talked to him personally every single time, I have never been staffed out.

Just the turn of words “tax law” can mean a difference in perspective or emphasis.But most importantly as an investor I get the bonus of several approaches and technical backgrounds.