If you don't have it you can call your insurance company and ask them to email you the declarations pageRecent Mortgage Statement:2 Different Utility Bills: Gas, Electric, Cell Phone Bill, Cable, Garbage, any two utility bills.Copy of Mortgage Note all pages: Was included in your closing documents when you purchased the home.

With that in mind you probably want to be more conservative as you get toward retirement, but I don’t think that means you need to actively pay down your mortgages faster, you could just take your foot off the gas on re-leveraging as quickly.Love your post though.

Look for leaks under sinks. 

If you don't have it you can call your insurance company and ask them to email you the declarations pageRecent Mortgage Statement:2 Different Utility Bills: Gas, Electric, Cell Phone Bill, Cable, Garbage, any two utility bills.Copy of Mortgage Note all pages: Was included in your closing documents when you purchased the home.

The insurance problem grows as we keep having more disasters (hurricane, flood, fire, pipe leak claims in the billions).

The example you give and I have to believe with those facts the GPs are boxed into a corner IE they need to keep raising money or selling guru plans so they have cash flow since their LPS are leaking oil so badly. 

Mini splits are notorious for leaking at the joints if not properly installed.

SFH in Tacoma WA, gas utility quoted free to bring a gas pipe from the street to the house and a meter.

I am not sure how much electricity/gas would be.

USA has the ability, now today, to supply 100% of Europe's gas needs.