Hey @Robert Ok BiggerPockets has played a valuable role in my own real estate journey over the past 8 years.

I know insurance rates have gotten rough these past years but if you don't have insurance all would take is one house fire for you to take a massive loss.

@Jerry Zigounakis here's some copy & paste info we hope you find helpful with your challenges!

We’ve been trying to onboard with AppFolio for the past two months, but the process has been incredibly frustrating.

 @Jordan Laney Asking what others pay for snow removal and comparing your yearly spend to past years is not productive.

I am an attorney in New York and New Jersey and for the past 15 years worked my way up and became an owner/partner in a multi-state law firm.

I bring to the table my full expertise in project management, construction, and deal sourcing, along with the knowledge I’ve gained working tirelessly in this industry over the past 3 years.My vision is to dedicate the next 10-15 years to real estate development, growing projects that generate significant returns while delivering exceptional results.If you’re interested in learning more, I’d love to discuss how we can collaborate.

FYI I do have plenty of reserves for my other units already, but would like to keep each property separate.My question is, where should I draw funds from to pay the least amount in penalties, taxes, loan interest, etc. from the following sources I have available:- 20 year 401k loan for a property- Sell a piece of my stock portfolio at 15% capital gains tax- Take a HELOC against an existing property- Private money loan from a trusted partner I have worked with beforeAlternatively, I could pool the reserves for all my properties to ensure I can cover anything immediate and know that I could always sell off a piece of my stock portfolio if needed and have the funds within 3 business days or set up a HELOC and only draw from it if needed.Appreciate any thoughts or what you have done in the past.

Taking these two pieces of info will tell you how long you will take to get an offer, so if you go past that you should lower the price, and then the other action item would be to starting off lower than all the other properties if the condition is better than your condition.

Background:I have invested in the past in long term rent & hold properties in the United States.