I gently asked the tenant if she smelled weed in the backyard and she claimed that she does not smoke anything so she does not know etc etc.2.

@Placeholder PlaceholderOne word of caution I would advise: If a community or local government is enacting restrictions and also regularly enforcing them, then its often a reflection of the local community sentiment which increases the chance of a neighborhood or nearby resident calling you in if they think you may be running an STR.

They're the ones working with those agencies on a regular basis and have the best referrals.As far as recovering the debt, try leveling with the tenant as much as possible so they grasp the seriousness of being sent to collections.

I don't like the returns but we use regular savings accounts. 

Well, my therapist friends claim that the latter is not too far from reality. 4.

Hi Alex, I believe there is a Pittsburgh group that meets regularly but I would love to attend another gathering as long as time/place works.

It's important not to place undue trust in their claims without verifying them yourself.

You only want to file a claim if it's much greater than deductible or your rates shoot up pretty quickly. 

For example, it's difficult to appease a situation if 1 tenant claims they're using less electric/gas than another. 

Also, most Umbrella Policies only pay out if your underlying policy pays out, and the underlying policy will do everything they can to find an exclusion or that you were negligent (which you probably were) in the cause of action to get out of paying the claim.