A carpenter friend of mine stumbled into a fantastic deal.

With that said, is there any "gold standard" for STNL?

Mine limits it to a max of 3 unrelated people.

This is assuming I am using the $100K loan to pay the HML meaning the property is now mine fullHope I am clear with the question JRG

Market dependent......in my are of CA, we supply a stove and dishwasher..... rest is on the tenant.....When we have a unit in TX, the tenants expected all of it.... then my second tenant had a washer/dryer so I had to store mine....was a PITA.....Very market dependent...... ideally I would only supply the dishwasher ......that's kind of a built in type of install with water supply etc, so I'd rather not have tenant taking that in/out etc.... rest of the appliance are pretty easy to move etc

I have owned a 2 family in the Bronx (one apartment is mine, the other I rent out) for 5 years and just had basic homeowners insurance through Hyundai. 

Because mine was overlooking the rooftop of a parking garage, and about 50% of the view was obstructed.

It's just the market we are in I guess.A partner of mine who is a veteran investor 25+ years.

Well, I dunno about all that analysis, mine is much more simple.

We decided to make another joint investments as it is something we really enjoy and colleague of mine already lives there.