Again, we open all projects to the studs to provide the best finished product, and ensure no safety/code issues upon completion.(3) All costmetics is very broad; however, if you're talking paint, flooring, trim, lighting, door knobs, etc, this will be a very big number.

I know the neighborhood is gentrifying greatly over the past decade but still, I’m a bit concerned about 1. the safety of living in this area. 2.

Safety first!

It's similar to building a house in that there are many factors that can affect the cost when you're building a website, including but not limited to: > Location and experience of your website designer/engineer (someone in a bigger city with more experience is most likely going to charge more)> Fully-custom build vs. website builder like WordPress or Squarespace> Number of website pages needed (not always a factor, but a website with a Home page, About page, and Contact page takes much less time to build than a website with several pages talking about services, policies, etc) > Number of customizations/extra features (even a website builder like WordPress provides a wide range of custom options)Website prices can end up anywhere between hundreds to thousands of dollars depending on who is building it and what you're asking them to build.

The problem with appraisals up here is that it is not consistent and there isn't a policy across the board. 

Should I add a 5-10% margin of safety in my loan to value for a HML.

They are forced to adopt policies and technologies and they will see that it works. 

Suffice it to say that any gas utilization equipment found to produce elevated/unsafe levels of carbon monoxide in flue gas is normally considered sufficient grounds by the gas company to shut-off gas to the property in addition to 'red' tagging gas utilization equipment responsible until such time the condition is addressed and no longer considered a threat to the life and safety of the building occupants.CO Poisoning Goes Virtually Undetected in a Professional Office EnvironmentIt's a cold, sunny Saturday afternoon in February and I've been given a reprieve in the weather thereby allowing me to use an outdoor scissor lift to safely access/observe a flat roof 24-foot above the finish grade (pertaining to the property for which I have been hired to conduct a PCA) without having to contend with rain/snow and below freezing outdoor air temperatures preventing a visual inspection of the roof much less conduct a higher level due diligent assessment of package rooftop units since gloves cannot be worn as they tend to interfere in attempting to access hidden system components such as air filter elements, blower fan motor assemblies, serpentine tube heat exchangers, etc. typically concealed from view in conducting a baseline PCA.

I assume standard homeowners insurance + umbrella policy? 

BUT if the tenants are staying so long past due without an eviction, it may be your policy about evicting tenants that needs the adjustment.