What method do you use to calculate your replacement insurance valuations for your properties? 

Even getting the deed Sub2 isn't much fun when the roof needs replacing and someone's facing an unanticipated $10K expense.What are the Operating Expense and Net Operating Income here?

Earlier this week, I bought a rental (singlewide with land) for $15k, and I’ll put in about $3k to replace the septic lines and that’s it.

My strategy is to use base level finishes whole leasing it and replace with upgraded finishes once I'm ready to sell it in 7-10 years.

No leaking toilets, replacing carpet, etc.

So the only one with major fixes is the house, but everything was replaced. 

I need some windows replaced, basic electrical work, washer and dryer installations, and a little bit of pointing on the brick.

Within an organization, you can temper that to some extent by creating an attractive enough opportunity that it would be difficult for the person to replace it elsewhere, but by and large your employees will almost always fall into one of two camps:1.

My three issues with the house are, one the roof needs to be replaced (it’s 15-20 years old and has moss growing all over it), second issue is the eaves troughs are overflowing with leaves and stuff (if this has been a standard practice over the 50 years they owned it this is a bit of a concern with water likely running right down to the foundation of an already old house, the third issue is the tax assessed value is 37k so if I buy it for 160k won’t the tax assessed value go to around 80k meaning my tax is going to double roughly?

If you are late in the cycle for several of these, you'll want to have access to some amount of capital that will be sufficient to float the inevitable replacement of these items.