But they still get to shop the market, and aren't captive vendors to just one carrier's rates/policies/etc.Why I have a vested interest: If you go broke due to an insurance claim and having insufficient coverage, you probably can't take out any more mortgages.... cuz you're broke! 

Insufficient insulatikn.air leaks at windows.

I'd like to get moving on formal notices here -- realizing I'm behind the 8 ball because of poor or insufficient management on my part.

They are all 100% insufficient to use for decision making.

If the property after repair will be valued highly enough to qualify for conventional financing that would almost certainly improve what seems to me to be insufficient cash on cash return.If the ARV will be North of $100k, then I think this sounds like a deal but you should put down 25% of the total project costs, get hard money for the remainder of purchase and the rehab (keeping your money in reserve for budget overruns), rehab, improve rent and tenant quality and then refinance out of the HML into a conventional loan.

He didn't give any explanation during the hearing, only said he would send his decision (he was very arrogant), which when I received it was that there was insufficient evidence that they had caused damage.

ARS § 33-729.A states, ". . . if a mortgage is given to secure the payment of the balance of the purchase price, or to secure a loan to pay all or part of the purchase price, of a parcel of real property of two and one-half acres or less which is limited to and utilized for either a single one-family or single two-family dwelling, the lien of judgment in an action to foreclose such mortgage shall not extend to any other property of the judgment debtor, nor may general execution be issued against the judgment debtor to enforce such judgment, and if the proceeds of the mortgaged real property sold under special execution are insufficient to satisfy the judgment, the judgment may not otherwise be satisfied out of other property of the judgment debtor, notwithstanding any agreement to the contrary.ARS § 33-814.G states, "If trust property of two and one-half acres or less which is limited to and utilized for either a single one-family or a single two-family dwelling is sold pursuant to the trustee's power of sale, no action may be maintained to recover any difference between the amount obtained by sale and the amount of the indebtedness and any interest, costs and expenses."

Insufficient information to provide a solution" should be the correct answer.

The foreclosure sales and tax sales are ones in which the interest being sold is whatever interest the lender foreclosing has in the property - even thoroughly researching the deed records does not guarantee that you will be getting what you think you are getting.Often times superior leins are missed, previous foreclosures were not properly recorded, missing heirs show up, insufficient notification was given, notification was not given to a party to which it was required, etc.

Cracks in concrete are normal to some extent though usually caused by an underlying issue such as insufficient compaction of the gravel underneath or improper drainage causing excess water to get under the slab and undermine it.