But I have them in mind as back ups for things that I can pay off in full like a washer & dryer, fridge,,stuff that might not cost more than $2k.

BBB the better business bureau i f everyone goes and files a complaint they mite get their stuff togather it only takes a few mins to file and if Balch an Bingham won't answer your questions they will get the answer for you....

If it's sitting in a densely populated area then I wouldn't see why not.

It's a great area for STR investors with all the new stuff going in Downtown, plus the massive hiking/biking trails, Shasta Caverns, Burney Falls and other falls, Castle Crags, and within an hour of the mainlands only 2 active volcanoes, Shasta and Lassen!

That is what they are working for and getting you the right stuff to make sure you are covered.

The only stuff I have is in Springfield at the moment.

(You can create a professional, short and sweet letter that has your contact information on it.)With some time (to print the letters, address the envelopes, and stuff them) you can send out a letter to every property in your "farm".  

Great stuff!

It's not normally a major factor, unless you've got a lot of funky stuff going on. 

When I represent Sellers, my job is to basically fight off the Buyer's agent, even though the Seller pays their fee, so they don't ask for crazy stuff and to keep them in check.