“I do not agree that appreciation is a function of chance.Appreciation is driven by the imbalance of demand and supply.

I guess for me the dividing line is does it damage the function or cause a safety hazard if I leave it on the tenant.  

While it's then a good thing that I wrote that my intention wasn't to be condescending, I'd have been better off writing my post in a way that clearly wasn't.When posting in the forum, you often run the risk of making someone unhappy, even if you're mindful about avoiding it.

You are writing this as if it is your first rodeo.

Quote from @Fernando Domingo: Does anyone have a recommendation for an insurance company that will write a policy for a CA property?

Once you have a shortlist, sign up for an account with each one and test them extensively to see how they function.

I had no idea what Ayn Rand was writing about was a REAL person: Frank Lloyd Wright.

There are likely attorney's who solicit this as a function of their business but that doesn't make them any better or worse than what you could do to strike a deal on your own.

They are generous on the values so sometime my actual cash out of pocket is less than 15%, for example, I pay 102K for a house that appraises for 108K, the extra 6K they count towards my down payment so I get a mortgage for 91,800 because that's 85% of 108K and I write a check for about 10K.

Apart from ACH, which is free vs. a fee on other platforms, the software also keeps track of property analytics and can create a statement of cash flows (NOI/Net Income views also available) and has export functions to give your CPA come tax time.