If the contractors estimate is higher, the insurance company may, or may not, supplement the claim. 

Do you want real estate to supplement your income or just handle your loans?

If you are doing this alone, maybe part time to supplement your real estate business, and maybe with relatively low dollar deals, I’d suggest you use your own money on as few project as you can handle.

What negatives do you have, I don't need actual names just generic like BK, Judgments that sort of thing.

Are there generic contracts that I can modify?

However, they don't seem to be able to get their heads around what I want, and keep trying to sell me deals that aren't even close, and that are things I've told them repeatedly is not what I am looking for.If I say I don't buy 20 miles south, you (generic you) are wasting your time to keep bringing me your "great" deals 20 miles south.

Now that you've mentioned it, the title is quite generic.

I see less of that and more generic questions that have been asked and answered 1000 times over. 

Emilio R - I know that there are probably 1,000 other posts here on BP about spec building, but I was just curious (from the generic example above) if you, have found it possible to do spec homes (or have known others) who honestly manage to pull off consistent 30% returns on specs and/flips.Ex: Sales Price $450k ($135k profit) #'s adjust for any area/marketThe reason I ask is because - *in a perfect world* - it seems like a no-brainer business when a 30% return could mean an 80% + cash-on-cash return if the initial equity outlay was a 'respectable' 50% down.In other words, without walking on a thin blade of <=20% down, it seems that incredible returns can be made over and over if given a year's-horizon.

I am younger and I am looking at this as a way to create additional side income throughout my life, they are looking at it as a supplement for retirement.