Is there an insurance “pool” similar to the medical industry in which the entire partnership would pay into, but managed by an insurance company? 

However, there are a LOT of plans for revitalization and rejuvenation in progress ore recently created (creating jobs, bringing businesses to the area, creating programs with the local colleges to increase education rates and increase the pool of qualified and skilled employees - in the area of nursing, etc, for which there is currently a shortage in this location.). 

-I had to add no swimming pools to my leases-I require tenants have sewer line insurance.

The tenant family and our family would share the garage, laundry, pool, and backyard. 

I really like the toilet in the backyard.

Maybe we would need to pay a little more than the bare minimum to get a better pool of applicants.

What about the backyard with those concrete steps going down to the wooden gate??

This is an expensive property to maintain as it has a pool and three large oak trees.

The property has good amenities- 2 pools, tennis courts, boat slips on the bay side, excercise room, etc.

Lenders construct these schedules based on the average expected duration (or average life) of large pools of similar mortgages.