@Joe Delgrosso I survived the last one and bought more during it, but my #1 concern were job losses by tenants.

The longer you wait, the longer it takes to recover your losses.5) Almost every market today is appreciating.It's your time and money, so you get to do whatever.  

This means that a loss at one location will not erode the limits at another location, ultimately, giving you more coverage.

Part 1 of 5: What is a Deductible Buy-Down ProgramDeductible Buy-Down programs are insurance policies a business/real estate investor can implement in their protection plan to lower the amount of deductible they have to pay when there is a claim made.These are policies which are in addition to the normal coverage plan (property, liability, auto, umbrella, cyber, etc.)Part 2 of 5: How Buy-Down Programs WorkThey are one of many ways a person/business can implement alternative insurance protection.Buy-Downs are added to protection plans to lower out of pocket expenses for the insured at the time of loss (a claim)Example of how a Buy-Down program works:You have a commercial property portfolio.Its insurance policy has a deductible and a premium.

TBH I've never had real issues, and even if I did (unless of total loss) I would NEVER file a claim.

Originally posted by @Jarod Castaneda:@Guifre MoraRental Property Cash Flow Analysis   Monthly Operating Income Scenario A Number of Units 1 Average Monthly Rent per Unit 1,575.00 Total Rental Income 1,575.00 % Vacancy and Credit Losses 5.00% Total Vacancy Loss 78.75 Other Monthly Income (laundry, vending, parking, etc

.)- Some food out but mostly covered, however, lots of crumbs - No vacuuming going on.- Excessive mice droppings along walls.- I was told they found a mouse in the couch.- They have put traps out and caught some.- Young mother (mentally disabled and daughter of tenant who pays the rent) has an 8 month old.I went over and put multiple bait stations and traps on the advice of my pest control guy.

WALK INTO THAT FOOD STORE.

This will likely be a loss, but you need to live somewhere.Now, go back to your NOI, take out your rent from the duplex (are you taking a whole unit for yourself for $1,000 loss rent or have a roommate and are only out $500). 

I have 13 years of residential remodeling experience, operate a one man residential construction LLC, and have a mentor with 30 years of residential remodeling experience that includes 4 flips.Here are the Deal Details:$450,000 = Property Value before renovations began$350,000 = Current value of property$220,000 = Current Mortgage held by parents$160,000 = Cost of making sale ready$380,000 = Parents total investment$500,000 = After Repair Value (conservative estimate)$120,000 = Profit of project$(10,000) = Loss of current equityHere's the Scope of Phase 1:Finishing current 1000 sqft renovationNew 1000 sqft garageNew 100 ft drivewayRenovating 1,500 sqft craftsman barnNew septic systemNew water wellAdditional Information:Despite that the property could sell currently for $130,000 net and the estimated profit will only be $120,000, my parents still want to continue with the project.