I used the money that was going to go into the WL insurance to acquire a property but before acquiring it, I added value to it by bringing a national food tenant that is still operating there till now and doing well even through COVID-19 with a corporate guarantee 2) that my cash return on my cash downpayment and rehab was enough to buy me twice the coverage for less money using a level term insurance for 20 years?

@Christian DiCroce I don't know if Cleveland is one of the Ohio areas that is on your Radar or not but since it's been brought up here is some food for thought for you.If you are looking at Cleveland I recommend checking out The Ultimate Guide to Grading Cleveland Neighborhoods.

Outside of real estate, I enjoy anything active; Pickleball, hiking, swimming as well as cooking and traveling.Excited to learn and connect with you all!

I'd get to the bottom of this @Steve Cook.  

@Pratik KocharAs mentioned if you have gas and use it for heating and cooking and gas dryer, then 100 amp should be plentyIf you need to upgrade as mentioned go 200 amps but you can do a simple online calculation to determine what you need

Same thing with your HELOC, if it's a $0 payment, it's a $0 impact.Not discouraging the purchase by any means, but food for thought: "There's no free lunch" if you're getting a below market rate from the builder that's getting paid for in the purchase price.

Shelter is a “human need” according to NASA, along with water air and food.   

Remove food that can rot, empty the trash, flush the toilet, etc.

If had that taco truck, you would have food costs, fuel to cook it, staff etc., does that means it's "bad"????

In my opinion, I think this is a tenant responsibility and they should food the bill.