Thank you for any info you can provide.Hi @Felicia West depreciation is generally considered a passive loss when it comes to real estate (with a couple exceptions) so it can be used to fully offset passive income from your rental properties.

(except not firing the PM sooner, oh well..)I also was thinking like you originally, that I would just keep putting 20% down on each, but each purchase taught me a new thing, and each opportunity presented itself at the time and I had to be open to creative ways to purchase, since not every property will be a perfect fit for traditional financing. 

Honestly, the entire situation was a nightmare—except for one silver lining: meeting Melissa.

Some states there are exceptions. 

. - The commercial property is in an LLC, we get K-1s from the LLCs taxes every year showing that the LLC pays for the expense and is cashflow positive; except for the deprecation we take :) I plan on buying a new primary residence in the next 1-2 years and want to know if I need to have the commercial loan adjusted so that its no longer personally guaranteed.

Honestly, the entire situation was a nightmare—except for one silver lining: meeting Melissa.

The actual insurance premiums in PA are regulated by the state with some exceptions (most notably approved attorneys).

Zillow is very common but beware that a lot of these sights don't give you vital information and only give you a "Renter Score", not an exact credit score or other vital info.

Hi All,My offer was accepted for a new property and I got everything right except the insurance.

All the best Bob your the exception.