I appreciate any kind of comment from anybody.

This could be due to various factors but most common would be tight underwriting or inexperience of the borrower (or both). 

I was only able to download 4 episodes on Soundcloud... do you know if the rest are set up different in the system or if it is some kind of limitation on the part of Soundcloud?

@Leland Smith I kind of second what @Gary Siver said........ sometimes there are contractors that aren't licensed that do better work and are more reliable than licensed, that being said that's not all that i would worry about....If you are doing any structural work, I would recommend you get someone licensed that can pull the permits or pull them yourself if they let you (its just better when you can justify at sale all the work was permitted and for tax purposes, you can have records of money that was paid out) .....

And it's actually all kind of a creamy color - the white balance in that picture is kind of off I'd say and makes it look whiter than it actually is. 

Elise, I actually found what you are talking about, that is a new law this year, i have not been charged this. my PM belongs to all kinds of organizations and would have known about this, but has not said anything. i am going to have to send this to her and my accountant to find out about it.

Understanding market conditions is key, and getting to know the little things that have huge value influences, now if you have a cookie cutter home with plenty of sales it pretty easy, but if its an oddball with little market activity, it can be kind of a crap shoot, go with your gut and be conservative on the numbers, its way better to be off on the low side than way over valuing. good luck!

Two common techniques I have incorporated with clients is to use a double corporation strategy or the utilization of a discretionary irrevocable trust.

My suggestion to you would be to just off load it as is, or speak to a bank to see what kind of financing is available (much like you stated before with a HELOC).

Especially in Florida when every year (almost) they suffer this kind of threats.As a flipper its very hard to find insurance company that will be ready to cover your house.As a home owner for rental: How much will the insurance company will cover in case of total disaster like this?