Every now and again I'm sure a 'pile' gets left (it happens at my house too), but if it was consistent and excessive my landscape guys would let me and I'd reach out to the tenant to correct the issue.

It relates to the great depression because of spending and failing banks due to bank runs and poor investment strategies, the 1979–1988 time frame with high rates, and 2004-2008 excessive growth in home values in a short time.

@Andriy Boychuk Unless you are getting involved in a very big project --- like buying a factory or a 100-unit apartment ---  you probably don't need an attorney to spend excessive amount of time reviewing the loan documents.

@Adam Bosma thank you for your explanation and I will look more into it and see how it fits my portfolio but my current feeling that even though I am doing very well, I don't have a lot of excess cash that is just sitting in the bank.

Hold tenants accountable for excessive wear-and-tear.

Lenders are less likely to approve loans for properties with excessive leverage and might not meet the leverage max for most lenders 

Find a place to stash excess cash to diversify risk from equities assets 3.

The most accurate way to forecast premiums is to find estimated property, GL, and excess rates.

Some also have clawbacks for excess profit.

Umbrella carriers usually have minimum ratings that they require the underlying carrier to have but an Umbrella policy can be excess of different carriers.