I'd be surprised if it gets that cold down in Oakland, but you are likely dealing with higher indoor (and outdoor) humidity and the face of your wall assembly may drop below the dewpoint.You need to find the cause of the humidity: broken dryer vent line; dishwasher; long, steamy showers w/o the bathroom fan running; water leak; too many people living in the unit; in-adequate ventilation (particularly if the envelope is tight); a grow-op in the basement, etc.  

The OP was venting about constantly being approached by noobs asking where to fish and many BP'ers chimed in supported and opposing the viewpoint of being helpful to noobs.

The OP is looking for verbage examples, which is why I gave him ideas of four different places he could look.

I think the OP was more interested in fire damaged properties from an investment perspective not in regards to a fire claim of her own.

How does laundry affect rents (up the scale from nothing, to coin-op, to in-unit)?

here's an idea... you put in a coin op laundry room in and look for companies that come out and service the equipment that you have to buy/rent/ or what ever the agreement is... from them once a month but they cut you a check for some of the proceeds that they pull from the machines.  

I was thinking about buying one coin op washer and one coin op dryer and letting the tenants share it.

The OP is in Kansas City, that's not in Utah, in Missouri, banks do and will call in loans transferred.A loan in the name of a member or guaranteed by a member with funds used in an LLC or where assets used by an LLC are collateral for a loan made by a member do not constitute commingling of funds or assets as personal guarantees are generally required.  

Need a strong Op Agreement with partnerships, especially with family.  

I don't believe the OP's post but I do worry about the recent introduction of the portfolio loans with 10 year balloons.