Bonus depreciation may or may not be automatically applied, depending on the software.

@Wesley JensenFirst off, making a claim on your homeowners insurance does not automatically mean it will be raised.

So... if all is the same and the only thing a yearly lease do is 'bind' YOU then why not go month-to-month... and in fact since month-to-month automatically renews there is no 'event' for the Tenant to shop around every year.

this will automatically keep you out of C and D and half of the buyers if not more are owner occ  ( thats what you want ). 

This doesn't automatically mean it's "at the top" as you have to consider the LONG term trends, and the fundamentals driving the market.

I discovered my current mortgage is behind secondary to an increased in December; I am using automatic payments and didn't notice the partial payment notification.

Additionally I would have countered trying to make my offer more attractive other ways - i.) waive financing contingency, ii.) show poof of funds, iii.) increase earnest money, iv.) offer to pay any short in appraisal up to a certain amount (say 1% of offer price), v.) provide a low-ball offer but with an escalation clause (you'll automatically pay X amount higher than highest bidder), vii.) say you'll pay for home as is without expecting them to fix home. 

Mortgage insurance falls off of a conventional loan at 80% LTV if you request it and 78% LTV automatically. 

Then my credit union (BECU) whom I bank with but don't hold the mortgage with offered me one with no automatic withdrawal requirements.

The appointment is automatically added to our calendar.