@Gerald Demers You're lucky that the moderators are treating you kindly (while you are new to BP, at least) as you have shared outside resources and websites, which seems to upset them.Also, you suggest that people actually spend money, which appears to be another thing that is not PC to the newbie-biased moderators.I also agree with you and Flyboy Jay that part of the nuance of investing is knowing what research  to do when, and to know your own tolerance for risk.

I have sprayed the White Shellac version and it needs denatured alcohol for clean up.  

I'm so proud of our staff, moderators and everyone else who has played a role in the success of this incredible community.Thank you for everything!

I am looking for a moderately-priced (free would be best) property management software--similar to Appfolio.

One way to get that bonus variance is by designating a unit for low to moderate income earners.

We draw the line on storing liquids such as {lamp} alcohol, kerosene or gasoline in the living space {if there is a garage and the liquids are properly stored in approved containers, that is fine}.If you are signing a single lease with the group of tenants you can require they furnish you with have proof of renters insurance and that you are a named insured on the policy ... you can also require their consent for you to contact the insurance provided to verify coverage.Let them work out whether they purchase individual policies or a collective policy - there's a good chance they will not be able to purchase a collective policy - or that it would be cost effective. 

No one is on a lease it is a self run sober living home for people recovering from drug and alcohol addiction.

If users aren't posting properly, perhaps the moderators can assist.  

I have seen food sent home with kids only to have the parents sell it for drugs or alcohol.

In other words, do you spend $X creating a well known brand that pulls customers in without much additional marketing effort/expense, or do you spend that same $X on direct customer acquisition.In industries where customers are potentially repeat customers for life (fast food, alcohol, cigarettes, automobiles), spending that money on brand building is cheaper than spending that money on acquiring the same customers over and over -- that's why these industries put a ridiculous percentage of their profits back into building their brand.In real estate, the "customers" are the sellers -- they generate the income, even if not directly.