Excessive leverage can lead to failure.1️⃣1️⃣ Loan-to-Value (LTV) is a useful metric to assess the risk of leverage in real estate investments, often used by lendors.In the next post we will cover ‘Operating Income KPIs’ analysis deep.

Will excessive leverage from small investors bring down the market?

These type of endorsements are more common on excess (suplus) lines policies from carriers such as Lloyds.  

Plus the moisture buildup.

The tax hit on $25k shouldn't be too excessive (and you may be able to offset it with other losses). 

. $200 excess per claim, and covers the Landlord against Malicious Damage & Rent Default.

I am not really experienced enough to mentor anyone and I don't have excess cash coming out of my pockets -- so I can't really help you there.

They charge under $150 one time per year, but that is a small town CPA charging under market value for their experience level.In your case, assuming you have just the one duplex, then I think $150 per month seems excessive, unless they are keeping your books too.

Good Luck, Bill I believe the actual section that one should be directed to is section 8-8-14(b)(b) As an alternative to any other interest or finance charge allowed by state laws, and any law or regulation to the contrary notwithstanding, a lender or a vendor in credit sales, any financial institution operating in Alabama or any individual may, in connection with any credit sale, upon any type or class of loan, charge a maximum allowable rate on the amount of such loan or credit sale, not to exceed two percentage points above the prime rate at the time such loan or credit sales contract is executed; or if the debt is created under an open-end credit plan, the maximum finance charge in connection therewith shall be one and three-fourths percent per month on the first $750 or less, and one and one-half percent per month on the excess of any unpaid balance from time to time thereunder.

If things continue the way they have there should be some excess there.