The tenants in my condo (upper unit) left the water running while filling a bathtub, resulting in water leaking into the downstairs condo.My tenant has $300K liability insurance, but apparently it doesn’t include any negligence water damage.

I paid about $8 for electricity and $5 for water for August - these expenses are so minuscule, that I completely forgot about them.

It does have a pretty easy to use receipt capture mobile which is a cool perk.

If you think he's full of crap -- cool. 

For example, my duplex has brand new furnaces, hot water heaters, and AC units, and the roof is 5 years old.

That sounds good until you factor in dealing with 15 different low income families , 15 hot water heaters , 15 roofs , property tax and water bills .

From what I've seen it looks about 40k in Portland. 10-15k in rural Washington county, but Im not sure I found all the fees and I haven't found info for rural Multnomah county or any other city yet. rural means no city water or sewer so well and septic and if you don't have those U can spend at least 10 to 15k on a well and water system and septic 15k to 50k.. depending on soil.plus your 5 to 10 k in building permits.. then your ready for vertical.. so city fee's are usually cheaper.now place like Yamhill or Carlton you can find little funky infill and fee's there will be less than 20k.. maybe Banks Gaston etc.its tough for land here. 

If they are happy to take your expert estimate on ARV, that's cool.

That would be muddying the waters between the HOAs books and your books.

He charged me $2k to purchase and install a 75 gal gas water heater, and dispose of the old.