TeamI am checked out REALTYTRAC (just a glimpse of it) and it appears to be giving some GREAT details if I sign up for only Trial.

If you are put your mind at ease, lawsuit abuse is an urban myth propogated by the republican party in an attempt to "de-fund" the democratic party of the contributions they receive from trial lawyers.When you buy a rental ppty you insure it under a Fire and Extended Coverage (EC).

I was looking for and ethical and legal way around this...I am blessed to have been in court recently as a witness for several of my clients where another investor took advantage of them as well as of several hundred other people in a very short time...Long story short, The Magistrate of our local BK Court District upon succession of the trial ask if I was in a similar business and offered to look over my marketing pieces, disclosures , agreements as well as answer any questions so an not to end up like the knucklehead she just sent packing...So I figured why not ask...Her reply was very simple.....NO I CANNOT RECIEVE A DIME but my clients I do refer (without selling them of course because I am not a lawyer cannot advise them in this way) CAN receive a discount that makes sense for the lawyer allowing me room to fee my clients for a service that DOES NOT conflict with the BK (the tricky part)…So I interviewed about thirty or so lawyers and found 2 whom were willing to offer their services at deep discount…which they make up in volume as I am working about 50-60 of these montly....So how do I make out?

It's been fun and rewarding for the past 40 years - and I am still learning.The contracts that I have created is a result of trial and error or should I say "trial and terror"! 

My trial budget is only $5,000 for an entire year. 

Here's something to consider (or at least be aware of):Hoarding Officially Recognized as Mental DisorderBad News for Landlords, Hoarding is Now Recognized as a Mental DisorderI'll be sure my lawyer doesn't mention the word; hoard, or any variation of the word hoard when I evict dirty people for being dirty. 

You can see I have run variations with lower price points. 

I know there are people that I have learned from trial and error the best ways to deal with this.

Worse yet are the people who know hot to manipulate the system and can get more and more time in your house for free by dragging you all the way to trial.

The Employer bucket is for employer to make contributions such as matching contributions, profit sharing, many other variations.