That said, Iowa defines a real estate broker thus:As used in this chapter, “real estate broker” means a person acting for another for a fee, commission, or other compensation or promise, whether it be for all or part of a person’s time, and who engages directly or indirectly in any of the following acts:1.

I don't want a costly vacancy - I just want clear and simple compensation for additional wear and tear or damages.  

In other words, how many people do you know have copied DVDs or made duplicates of music from others for free even though that is against copyright laws and the copier gets the benefit when the originator gets no compensation for it?

I don't know why you'd have to compensate them at all. 

So if all the comps do have panels, and you know it won't work out for a $1 for $1 exchange, then you will need to lower your offer to compensate for it.  

It has helped me negotiate stronger compensation packages and the ability to work remotely which have enabled me to invest in real estate.  

But the broker would still be getting his flat compensation; ie that doesn't mean he gets a bonus or anything.

Still, on occasion, I'll do a flip but my other tax write offs more than compensate for the tax hit I take when I sell the flip. 

Nothing "at least to my knowledge" says you are required to bear the burden without compensation. 

The insurance should cover:Bodily injury to you, your family or visitor's of the property.Any accidental damage to your property.Workman's compensation for injuries to the contractor's or subcontractors employees.​Has The Contractor Ever Had Legal Issues?