@Lilith M HaasI would have your plumber camera the line too and see if there is anything that can cause issues, it only cost me $200 bucks to check my lines to make sure there were no issues, we had serious issues with ours and replaced the lines and added clean outs, had them recheck after a year for piece of mind and was all good, no issues for 2 years now but we have in our lease no lady products or wet wipes down the toilet, and if there was a clog and these items were found that the tenants would be responsible for the bill.

Then once the leases are up, start renovating the units... include low flow toilets etc...4. replace the guts, plumbing HVAC, electrical etc...Is this right, does anyone have a blueprint or checklist??? 

F150 has 6k left and I can't replace it for what it would sell for, and I need it for the house stuff.

Also look at the screens, how are they doing; do they need replacing?

@Eric Lee Nation    I did ins claims in another life for 14 years - I do not recommend that EVER as someone's employment but I did learn a few things.Here's 2 things agents or no one will tell you -- your Replacement value (RV) on the house is JUICED up way higher than what's realistic -- however you have a relatively inexpensive house so it's not much of an issue - but typically the reason they juice the RV is to get your wind/hail deductible higher -- typically 1%, 2%, 3%, 5% of RV is what your wind/hail deductible will be even if you had a $1k or whatever other deductible they offer for any other peril -- so follow me for a minute - you bought a rental for $150k -- they've juiced the replacement cost to $250k the most likely loss in KS or the midwest in general is going to be wind/hail --- the math actuarial nerds do this so the casino or the ins company in this case has the upper hand -- do the math what a 2% or 3% deductible on a $250k house will be -- I have a commercial building insd for over a million -- the lowest wind/hail ded they will give me is 5% -- the only reason I have ins at this point is I'm required to -- the wind hail coverage is worthless to me with as high as the deductible is.Anyways with that out of the way - ask your agent if you have a 3% option - at that RCV cost they figured of $99k that wouldnt be much different than the $2500 all perils coverage you have now -- Also I'd wager as someone mentioned dropping the med payments to others coverage -- it probably wont make a bit of difference in your policy cost -- I could be wrong - but I'd guess $25-50 dollars a year -- your coverage is the price it is due to the perceived wind/hail risk the company is putting on KS.I'm with Big Red and have been for a # of years -- your price to insure that house is on par with what I get from them for that replacement cost -- though i think State Farms game is a bit different they really jack up the Replacement cost so I have higher wind/hail deductibles -- I'd make out good if the house burnt down or a tornado destroyed it - but for a hail claim there wouldnt be much there.

Property needed everything, replaced roof, installed central hvac, refinished hardwoods, painting throughout, and more.

You should figure out how much it cost to replace each component of a house in your area using builder grade material and the lifespan of each component.

I just wanted to post this and see any input from the community on any tips or just comments, I’m a newbie but have the drive to not be a slave in a company where I am replaceable and cannot make my own schedule.

You only get 45 days to find a "like-kind" replacement property.

Like multi-family and needed replacement properties due to 1031 exchange funds.