I’ve spent the last half a year reading the books, scanning through all of your posts and thoughtful responses, and listening to way too many podcasts.

These days, state laws hold landlord responsible for renting to sex offenders and criminals, and I'm not sure how my insurance company would handle it if one of your subtenants, a known child molester, molested a neighbor's kid.

Hi Jeff,This is my first post on biggerpockets.com, and you are the first one to response.

Just add preventative measures and insurance responsibilities to the tenant wanting this freedom/addiction.

Bottom line, who is responsible for the overages?

In case you don't know what these are and just want to read along to the responses, I will define each term.Demographics: This information gives you age, gender, and income level of a group of people.

Thanks John,I appreciate your quick response I will reach out to lenders to see about tapping into that equity.

Thanks for the responses!

You'll get a lot more responses there on specific contractors for a roof and HVAC.

Your responses are always so sensible.