But just for fun, let's worth through some of the numbers:$20K of additional marginal income$12K after taxes (let's assume you make a good chunk and have a high marginal tax rate)$100/door per month is what many people tout as a reasonable ROI metric$12K per year is roughly then equivalent to 12 doors of real estate in terms of cash-flowHow many people on BP would work "more hours" to get 12 more doors of income producing real estate? 

@Scott RadetichIn order to answer any question regarding insurance... you'd need to produce the exact policy language including exclusions and coverage amounts.People think insurance covers every loss.

OTH this current investment seems to be producing passively ( appreciation).

My home is a liability in the sense that it costs me money to live there and does not produce any income. 

I have always had 5k deductable on the 200 plus properties we have in inventory.for us the cost savings does not warrant the lower deducatable. kind of like having major medical insurance when your a healthy 25 year old. boarded houses are targest as you know.. and i suspect this insurance company realizes that they are getting to many 2 to 5k claims.. and want to limit that.

This is causing damage to my mental and physical health.  I

And although it may produce a good cash flow in rents, it may not fetch the price you need when it comes time to sell it.4.

Or your building may have a "surprise" issue that costs you tens of thousands of dollars to fix (but hopefully one has healthy cash reserves to cover these issues when they pop up).Also, past performance itself is easier to see transparently with a rental property than with a publicly-traded company.Even as a CPA, sometimes when I read the financial statements and annual reports of publicly-traded companies, I'm left wondering what kind of tricks they're playing on the inside to make themselves look better than they really are.But with a property, the due diligence is a lot more straightforward.But of course all these advantages of property come at the cost of investing a significantly larger portion of your wealth into a single, illiquid asset than you would if you wanted to invest in a single, liquid stock.Anyway I rambled a bit there, but my personal philosophy is that both equities and real estate are incredible wealth-building tools, but similar to @Andrew Johnson I am much more "active" in real estate.

Therefore, if we just focused our plan on the existing income producing properties, it won’t affect our projections. 

Rents are growing at a slower rate than the nation's 2 percent and the state's 2.1 percent year-over-year growth.Some increase in rental prices is healthy and a matter of inflation, says Chris Salviati, a housing economist with Apartment List."