I am in Dayton and typical mail from the west cost arrives in 4-6 days, again, we are within the window of time it could feasibly take a letter to reach me.So loving masses, what do you think I should do?

If you don't have a mortgage, then you are NOT required to have flood insurance but run the risk of a total loss.

What we have put in-place for ourselves would likely not be appropriate in you situation.In Canada I was going to start investing as sole proprietorship so i could get the lower tax rate ( the need for liability protection via corporate structure is lower in Canada).When you are first starting out there can be benefits to holding {residential rental} property in your own name - especially if you are expecting to produce negative cash-flow in the first year or two as you can use the loss against your earned income from other sources.

Aside from the sad loss to the patriots by 1point, there are a ton of opportunities on the Westside, just looked at 4 today....Great cap rates 20%+

What are the vacancy and default/loss rates?

Is that feasible?

While exploring feasible options, I grew intrigued by the growth and seemingly exponential popularity of this concept.  

To have 6 clear titles you have done something right in the past cut your losses and do it again.

At least now you have a stable situation although cash flow negative which sounds better than selling the house for a big loss.

However, tenant agrees landlord is not responsible for tenant's financial or physical loss of food, meals, preparation or cleaning time, and landlord is not liable to replace any food or other product lost by tenant due to spoilage, lack of heating or cooling or any other reason or circumstance.