I never let mine go MTM, but I still have a clause that says it will if neither party gives notice 60 days from lease end date.

I’m wondering how many of you do this more as a business and not because you can’t go to bed without talking about it with your wife/husband.Tell me...Your though will help me and other readers gauge how “In Love” we should be..I value each of your opinions like Gold thank you for reading.Your friendJames

I’ve heard 90%+ occupancy being the gold standard and to steer clear of properties in neighborhoods with lower occupancy averages.

Companies that are still lending are ones such as mine that are direct to the capital with little to no ties to the Capital Markets.Here is the link to my article that might at some context.https://www.biggerpockets.com/forums/49/topics/819276-the-evolution-of-the-hard-money-space-and-then-pause  

My average premium is roughly $1500 per property with a $1000 deductible.However, a buddy of mine recently had an electrical fire and his whole investment burned to the ground, so now I'm thinking I should have better coverage, but it's rather expensive where claims are paid on a replacement cost basis which would run about $2650As far as I understand it, my policy would cover a lot of the cost of replacing things like a roof or damage from natural disaster or fire etc... but not 100% whereas the replacement cost policy would simply cover all costs at the expense of devouring my cashflow.I'm just wondering what most people have and what someone would recommend?

Wish mine was like that.

It is not elective, it is mandatory.Now, @Steven Hamilton II is a very knowledgeable colleague of mine, and I would gladly change my opinion if he convinces me otherwise.

Chesapeake and VA Beach and Norfolk are their own market and very different from mine. 

That's where I feel a somewhat disconnect with his mindset vs. mine...

Mine was probably worse than some and not as bad as others.