I've been burned twice.  

You don't have to "ingratiate" yourself with anyone....if you've got cash to burn...they want you!  

I wouldnt get hung up on an exact amount, $50 here or there is going to get burned in other ways when you're worrying about seeking out an exact average.  

But if you've been in the investing game a while you probably already have connections who can replace the roof at a reasonable cost already.Now if the rental house burns down and you have an ACV policy they should pay out at the fully insured value - they will not and should not per my knowledge depreciate the property if it's a total loss so to speak.  

He stopped paying the bank after the fire/ break up from wife, but the bank never foreclosed on him (as they probably don't want a burned house).  

There are areas of the copyright law that allow for opinions of other people's content, but do you really want to burn legal dollars in that effort?  

Chris MasonI know the bank you are speaking of, we use them too, and I don't know of anyone else lending 90% CLTV seconds in CA.I think here in the Midwest, lenders weren't as burned by the housing bubble and meltdown. 

I have always been interested in paying for a mentor but being burned in the very begining I have become very skittish of the whole idea.

ThanksWatson Hilaire  That's not a bad idea being were you live, tankless water heaters require a must larger vent piping because of how hot they burn.

residential* Have fat fingers this morning