They do but if a plane comes over my house the are in trouble....The airport maps noise which is the main reason for airport issues. 

Question for anyone who's used Amica to write policy's on more than one property.Our current setup, has unique policys on each SFH.I'm toying with moving to one main policy from Amica, with each SFH as a extended policy on it.Cost savings, is over $800 per property if I go the Amica route.However they only cover structure on these policy's.Here in Florida, having gone thru last year.

Hey My name is Steph, I am interested in my first real estate investment to be a multi-family in NY state mainly Rockland County.

It is very well built but what really piqued my interest was the potential to convert the formal dining to a 4th bedroom simply by adding a door. 

With that out of the way please read on.This idea is designed to do 3 things:Increase revenueDecrease expenses(Mainly for A/B class properties) Make your building more appealingI would love to get some feedback from Investors/property managers before I start talking with investors in my area about it. 

One of the main highlights is meant to be the large outdoor biergarten.

The kitchen/dining room would have a door.I would relocate a door in the garage so that if I entered through the garage, I could still go upstairs without seeing the tenants and make a wall so that tenants couldn't go upstairs.The wall to wall carpet is in great condition but i guess I could take it out and put hardwood when the carpet gets old.I'm guessing the rennovation would probably cost around $30k.My current mortgage is 2800 and I owe about $500k but I need to buy my Ex out.1000sqft homes/apartments that are 2/1 in my area rent for about $3200/monthI could rent the top floor for maybe $3700/month (property manager rents my next door neighbors entire house with similar floor plan for $4500) How can I get financing toa. creatively buy my ex out (maybe pay her out in payments with low interest?).  

The main reasons I do not like is the involvement of a HOA and many of them are built like well-fished apartments. 

Mainly being sarcastic lol.  

My main concerns are splitting bills, mail, and AC temp (only 1 AC unit).