Cities are required to select sites for new housing developments to address the housing shortage, but when cities are located on peninsulas with a finite amount of land there is a limited number of feasible lots to build on.

I realized that carpets were completely dried and called restoration guy to remove them if not required.

It's easy to obtain, costs very little, and doesn't require extra, on-going effort to maintain.

Do you find their maintenance and repair fees fair or excessive?

We have clauses in our lease that require it upon execution of the lease.

Although not required in some states, a lender having a mortgage license really protects the consumer from any potential fraudsters. 

That's the correct answer, commercial mortgages are a lot more flexible about down payment sources, etc, than home loans, but pragmatically (loan requirements aside) you need to bring SOMETHING to the table for anyone to want to bring what THEY have (down payment etc) to the table.

For bigger renovations or repairs that require specialized skills, it’s usually best to bring in a pro.

Having realtors, lenders and repairmen willing to give you time and cost effective services requires the surety of more work.

Although most states have adopted model disclosure regulations promoted by the National Association of Insurance Commissioners, no state or federal agency requires them to mention such basics as investment-­management fees, rate of return, and (with the exception of New York) sales commissions.Insurers also don’t disclose what part of the annual premium goes to pay the life insurance vs. savings components of the policy.