Only reason you might want to run the mental gymnastics to make this work is if you have tangible evidence this is going to appreciate heavily in the next few years or from a tax haven standpoint imo.

John,An Umbrella policy provides an additional limit (usually sold in $1,000,000 increments) that is triggered if the underlying limits are exhausted on your home, auto, rented dwelling, etc...

Preparing yourself mentally and having a trusted, knowledgable agent at your side can go a long way, especially when it comes to first time home buyers.

I  It's an animal that has been registered as an Emotional Support Animal (ESA) by a licensed therapist, psychologist, doctor, psychiatrist or any other licensed mental health professional. ...

Exhaust any possibility to renovate.

Don't jump the gun...most of us have the "ready, fire, aim" mentality...we are opportunistic creatures.

Our state mental facility is closing after 150 years.  

Many people end up reaching out to us once they've exhausted conventional limits. 

I think that having the consistent check from the city for section 8 renters is great but I don't like the risk of the low-income, "don't care of o mess up your rental mentality.

Anyway apparently there were some mental issues and this person ended up having 30+ cats in the apartment.To get the cat pee out I got a quote for 10k to rip out the floors and what not, and if the smell lingers, possibly 7k more.