The appreciation on this duplex has been enough to be able to retire (or supplement a deadbeat siblings "retirement").  

Due to the income level of tenants in these units I may not be able to pull off a generic vinyl floor.

Thank you all for your responses, I will take your advice & send a generic yellow letter.

If your tenants are getting in contact with you directly at all times, put in place a process that puts it into a system (Email to a generic address for your business) That way you or your representatives can handle the issue.

Mixed-use is a generic term but that typically means there are at least two zoning types for that one lot.  

Those generic statements, and they want the rest of the $ which amounts to $150 vicinity.How do you reply to a dispute letter?  

You would have to purchase a supplemental liability policy in increase your limit to $300k, then you could qualify for an umbrella. 

I attempted a very similar approach to say "look, im aiming to have this rented out for a third or up to half the year via AirBNB... and want that factored in for liability sake more than anything, not interested in any supplemental loss of rental income" .... she simply replied "Oh, ok, did not know that... good to know, I can up the liability to $1M to cover you in that regard, and add the 'Home Rental' package to it that is $271 annually".

I am looking to build a portfolio and eventually supplement my income through rental properties and would love to connect to learn from others who have done this.

All the generic advice that people give is sometimes just that : generic. 2.