If you suggesting that winter is causing insurance to be higher, two things: the last years or see we call it brown grass season here in Milwaukee, because we don't get much snow anymore.

Regardless, I would highly recommend paying the extra few bucks other insurance companies charge and go with an Insurance provider that gets you what you need when you need it.  

I have a team in Milwaukee, so I may keep buying there long term.

Originally posted by @Buck Ivie:I'm wanting to do the same thing and I wonder if it's customary to give a ROI until the down payment investors cash is recouped or is it customary the investor ALWAYS wants equity?  

If this isn't being done, then yes that does fall on Brandon (and his other co-owners) as the buck stops with them regarding institutional failures. 

Here's my next step:Since the exact market is still up in the air, I'll need to research the viability of BRRRR in each of the potential locations (Fort Wayne, Twin Cities, Denver, Bucks County, PA, and West Chester, PA).

Was he/she worth the few thousand bucks?  

Yes Carrot focuses on helping you get more highly motivated leads online through SEO, paid marketing, and our high performing sites... ... but my real mission at the start was to help to start to elevate the industry to be a more legitimate industry, with higher trust, more transparency, and to challenge all companies in our space to just operate in a way that advances the industry in the right direction for the long-term rather than making a quick buck and causing the trust in the industry to regress. 

This will cost your buyer roughly 20 bucks each month, but its completely worth it. 

Welcome @Erin O'Brien the Philadelphia suburbs (Delaware, Montgomery, Bucks, and Chester counties) are some of the hottest markets right now to get into.