The stress and complications were unnecessary and it's something I will note for the future. 

A reserve is unnecessary, but I still keep around $15,000 - $20,000 in my account.The point is, you should sit down and assess your personal finances to determine what the worst-case scenario may look like, how much you would need to cover it without impacting your life, and whether you will need to build a reserve.

Can anyone suggest and alternative organization...this is an unnecessary waste of time.Thanks, b

Is granite in the kitchen and bath needed or an unnecessary luxury for the market.

Oh, and you CAN control your spending & lifestyle....though this one is often the most painful for brokers & investors who were used to living far above the bare minimums.Practical steps to get lean & mean: Cut ALL unnecessary expenses.

I am not seeing any good forecast coming out of this unnecessary war tactics.

Vacancy rates, repair costs, deferred maint that leads to unnecessary repairs, bad tenants, etc etc etc...

I am quite detail oriented and love decorating so this information will definitely help me from making unnecessary finishes. 

Hoping to do some minor (albeit completely unnecessary) work on the interior once we move in (replace carpet with wood in the living room and bedroom).

Joanne, I think this concept just adds too much complexity and inserts unnecessary potential traps.