I had one house with good quality carpet and a series of excellent tenants and I replaced that carpet when it was 16 years old and was still presentable.

i mean ok.. loss of use but depending on how long of a time frame its not worth the price difference in the policies. most insurance reps unfortunately really dont know their products inside and out.. and neither do alot of market reps and even some underwriters.. there are loop holes in insurance policies just like every other legal document.

It has an excellent size kitchen with a dinning room.

Any suggestions for products and where I could get them?

AND everything you buy is more expensive because of the tax burden of the product producer.

If you have excellent credit and some money or equity, then I would suggest going to a small, local bank who keeps their loans in their portfolio.

Just my two cents...Real estate should be about creating products that creates fruits that feed you over and over.

Anyone had any dealings with a company called Excell?

You're selling a product.

I thought I wanted to do flips but it really sounds like accumulating apartment buildings is a true wealth building machine.Any insight would be appreciated.BTW....David Lindahl has some excellent books.