I can accurately estimate utility costs as most util companies have estimated usages and amounts on their websites, but costs like maintenance, CapEx, make ready, etc., are much harder to estimate.

Wind is one of the subtle items that Insurance companies are starting to exclude. 

I own a mortgage company now that does both residential and commercial finance, but I spent years as a commercial banker with both big banks (First Union/Wachovia) and 2 community banks.

I worked for a US retail company that had a policy of accepting returns no questions asked and even when I accidentally uncovered someone seriously abusing the policy, my bosses wouldn't pursue the matter. 

I use one of the most expensive snow removal companies in town for a 16-plex that has 240 linear feet of sidewalk and 10,000 square feet of parking lot.

Instead, all the money from Subto goes to a company called New Reach. 

If you have a strong management company here in AZ, that is key. 

you can utilize a skip tracing company to get contact information for the owners.

@Chungying ChuIf you want more liability coverage, ask your insurance company if you can increase it.

It is great to see what your company is doing in the Milwaukee market!