Hi Kevin,I just used "lead safe inspections" , http://www.leadsafeinspections.com/I was able to coordinate everything online, got my certificate and results within a week. 

The building may not be safe.

Adrian Jones You are responsible to put the house back to code unless the city will say that it is grandfathered, yours is a great example: a non-habitable space converted into a habitable space that has no permit means that you are responsible to convert that back or get the permit for it, meaning prove to the city bldg and safety that the space is safe to live in, remember that everything is tied to a code, there is slim to none chance of that having approved but the possibility of approval is there.

I am trying to see where I could get a good return but still keep my money relatively safe and available if I need it.

@Joshua Whitehorn McKinley Heights seems to be a pretty good and safe area.

Go with 8-10% to be safe.

I want my property to be safe from break ins, but also don't want the neighbors to feel like I am spying on them.

(Just kidding, of course.)Seriously though, since the cost of removing a tree is under $2,500, you can simply include a "Safe harbor de minimis" election with your tax return and avoid the entire debate.Click here for an explanation, but skip the tedious details and just scroll down to "How do you elect..."

Otherwise, if safe, no fire potential the regular insurance will do.

Well of COURSE the inspector is different from the guy who final'd the house, and is different from the guy who approved the drawings... so he sends us a nuclear weapon of an inspection.