@Jace PerryGood morning Jace.

That leaves millions of middle-income Americans with little choice but to keep renting, helping to keep overall rents high.Some cities and states are enacting new laws to aid tenants facing eviction.

most insurance carriers are middle men who broker a connection to a construction policy carrier and add 10% on top for themselves. the key is to find an insurance broker that the construction policy company pays to derive business for them so you get your policy at cost and will help shop with multiple providers to get you the most competitive terms 

Essentially someone that isn't hungry to get you into any property, but has your best interest in mind to get you in the right propertyTips / General Comments- Look at inventory first thing every morning- Go and see several properties - don't fall in love with the first one you see, and don't wait until the perfect duplex comes up to have it be the first one you see-understand how much work each property needs.

Oso Washington  49 peeps perished and 45 homes destroyed happened mid morning so probably a good amount of people at work that kept the fatalities down

It goes deeper than that.NYC Liberal policies, including strong tenant protections, increases the risk of failure so much that the risk far outweighs the rewards.Financial ruin is just around the corner for the small Mom and Pop Property Investor that it doesn't make sense for them.The Tenants will have free Attorneys that are bent on delaying eviction cases so long that it stretches into years while Mom and Pop suffer from lack of rental income and still have to pay all the bills and do the management.Additionally, the increase in homeless living rough in the streets due to Sanctuary laws causing a lack of shelter beds, then evicting shelter residents after 30 days creating more homelessness, policies that tie up the Police's ability to arrest perpetrators, etc. only causes Mom and Pop to sell out at large discounts to larger Landlords who are capable to use Economies of Scale to eek out a profit.These larger Landlords will eventually turn a much higher profit as the pendulum will eventually swing towards the middle when the NYC Voting population eventually realizes that it's not a conspiracy of the Rich that's causing the Wealth Gap to increase.It's the same liberal laws that encourage people to become lifelong tenants, small Entrepreneurs (including Property Owners and small Mom and Pop Businesses) to be destroyed, and Rents to rise astronomically as housing becomes scarer even when the population declines by as much as 7% in the last several years. 

I did jump to conclusions as my emotions got the best of me when I did not hear back from Lacey.I had the chance to speak with Lacey this morning and also Scott at RTR.Lacey had some family emergencies she was dealing with as a result of the recent hurricanes.

Buildium is a nice middle ground and can bring a lot of organization if you don't have a robust bookkeeping system.

The mortgage broker or lender is generally going to use your middle mortgage credit FICO score which most people don't have access to unless they have already have had your credit run by a mortgage professional.

So, keeping an eye on it and addressing minor fixes (like securing loose shingles) can be a practical middle ground.