This tells me two things: Obtaining a variance will be more difficult because there are already policy considerations in place intended to reduce density & (2) There is clearly an over supply of rental units in this area otherwise the overlay would not exist. 

When it comes to your home, the right insurance policy can make all the difference.

This usually involves hiring a snow removal service or having a clear policy for who is responsible for clearing snow.### Heating and Air Conditioning Common AreasFor a property like yours with a hallway, staircase, and basement laundry area, it's not always necessary to heat or air condition these common areas.

The point is you have to have a policy that holds true across all tenants and all situations. 

Unlike the current banking's fractional reserve policies, which have been suspended during the pandemic. 

I think there's a good chance that we will see little movement from the FED to see how the economy reacts to their last cuts and to see how the incumbent president's policies impact the country.

Make sure you know your exact insurance costs with a specific STR policy that has general liability as well.

Hard work cannot be replaced with laws, policies and handouts.

Make sure you get the right property insurance policy. 

Quote from @Renee Ward: In a quote for an umbrella policy, when I see it in writing it is labeled a personal umbrella policy with our primary home cars etc.