For small repairs I use the vinyl mud, it seems to resist cracking and shrinking more than regular mud.

I'm very familiar with the Naples/Marco area having lived there before and regularly going down on vacations....

Owner claimed $750 for the 4 rented units, actual rents are $600, $650, $650, $700.

In some areas section 8 pays above market rents versus a regular tenant but the risk is HUD sometimes also adjusts that rent downward.

The seller doesn't have title insurance from when he bought, and doing this would eliminate any future exposure the seller might have to claims prior to his ownership.

I want to make offers on several HUD homes on a regular basis and I'm looking for a Realtor to submit those bids for me.Thanks!

Look for concessions to get occupancy up (e.g. first 2 months free @$650 for remaining 10 months vs. the regular $600/month...)

Previous owners are unwilling to even talk to anyone and claim they don't own the property.

A claims adjuster would come through at the time of a claim and depreciate everything according to age and care to determine a value.All that being said, being insured for RC while the company will only pay ACV means you are probably over-insured.

Unless you are using some one who just has inflated prices, high probability they will talk to you about an adjustment.This happens on almost every auto accident claim for repair.I am no longer in the insurance biz, so this is not legal advice.