My wife and I recently bought a home and noticed that some of the ducts (especially the return) were filthy, we got the whole house (Ducts, Returns, and even out dryer exhaust vent) done for about $170.

Less on the researching exhaustively for knowledge and more on the interacting with contractors more efficiently.

Irvington has not and will not because there are too many distressed areas and it's not big like Newark to be able to withstand the amount of distressed versus a market level.

on the flips side I made a 500k flip fee on a 14 lot development.. but I did put up the 50k EM and I did spend about 75k getting it pre plat approved.. then builder closed once all appeals were exhausted.. but I was also prepared to close if he tried to back door me or go around me.. which is not uncommon when you get into the bigger money players.. at the time I did not even realize wholesaling was a thing or you would call it that.. maybe it was a development wholetail since we did put up 125k of risk money :)on the one I just paid the 125k to someone else we have an offer on the table right now from lennar which is a 1mil profit. but again I put up by the time its done 325k to get there.. the mil we get our 325k back then a check for 1 mil if the stars all align .. we could lose 325k also.. rapid appreciation like this I guess those that call appreciation gambling maybe that's exactly what it is... gun slingers.. take me a long time to make 1 mil in a year owing rentals though  LOL..

The Umbrella is triggered when the limits of an underlying policy are exhausted in a claim. 

There are many out there and basically they are waterproof vinyl planks that look just like hardwood flooring but are water proof and are able to withstand abuse from Tenant and pets with ease...

On top of that, the island of San Diego has exhausted most of the buildable land within 10 miles of the coast, in the last RE boom ( Carmel Valley, Otay, etc). 

The useful value may have been exhausted by the time you took it out from the shed.In my case, I had an old fridge in my tenant's unit.

It provides coverage if the underlying Liability coverage on your home or auto is exhausted in a claim. 

The bathroom will need to be reframed then subfloor, flooring, tub/shower combo, vanity, exhaust van, lights, etc. installed.