Co-insurance -- if you insure for less than replacement cost(or some given minimum amount), some companies will NOT pay at 100% on partial losses (say a $25K kitchen fire).

Hey Jon, After reading and carefully considering your reply, I just wanted to say a sincere thank you for your frank comments and your perspective.

The all others is critical and covers everyone known or unknown to reside in the property.This way someone living in their cannot say the eviction says so and so but not me so you can't make me leave.Front and back lock sets cost me 28 dollars for the set with deadbolt and we put those on the second we finish with the writ or the tenant voluntarily hands over the keys and it is vacant without filing eviction.We do this because sometimes even if tenants leave on their own they have an extra key they don't give and then when where they move to doesn't work out or have enough storage they start putting junk back into the apartment they vacated or try to squat there one day and then another place another day.Sometimes in apartments tenants will hop from one apartment where they are evicted to staying with the unit next door that is paying.After awhile say a week or so the good deed wears off and that tenant wants the people gone from their unit.Was the power in the husbands name??

In a 3 bedroom, some will say that at least a half bath is recommended in addition to a full bath, some will say a second full bath is needed, and some will say that the single bath is good enough.

This assumes Cheryl could find unlimited deals like this in her market and keep her money deployed on the same basis 100% of the time.For example, say a person has 500k in the bank earning a sub-2% return.

Same impact as signing say a rental lease until I buy the house down the line?

I do have each person on the lease.The type of tenant base this is however is that say a mother,son and daughter live there.Her sister approaches the mother and says let us move in and we will pay 250 towards the rent as we can't afford a place of our own.Upon our bi-weekly inspections we find that the sister and her 2 kids are there.Now you have 6 using the water etc.The reality with apartment buildings of this age and tenant base is that families consolidate to save costs.They might be renting an apartment elsewhere for 600.Job hours are cut and they move in with sis and pay 250 and save 350 a month.The extra usage of water is what I am concerned about.I do not condone extra people there but want to control extra water usage.

OTOH if you bought, say, a mortgage that is junior to the HOA lien, then the HOA lien is still in force and, as the new owner, you're responsible.

Though in this subdivision they make you pull a permit just to put up a temporary structure, say a storage shed.

Originally posted by Tod Radford:Lets just say the polo is more forgiving than the T on my figure...Lets just say a black hooded sweater is more forgiving on my figure :/