After closing, we could not get much water from the second floor faucets, then the plumber crank up the water supply (by adjusting some valve outside of the house ?)

Now, insurance adjuster is being an A$$, as expected and here is where we run into our problem: The building was grandfathered in as far as wiring, we ended up rewiring the entire unit, other 3 units still have older wiring.

Perhaps you should adjust to a $20k margin and see how that turns out.

We also give them 60 days notice instead of the required 30 so they can plan better for the adjustment.

Then, they will make an adjustment for size.

It is inflation adjusted and based on the highest three years of pay.After 22 years of service and 80,000 invested into it, I will receive approximately 25,000 net per year in benefits.25,000 net, divided by 80,000 is a 31% return.

Also if you need to make an adjustment to the package, send the docs again or add another document to the package you have it all right there and can send it with a push of a button.2.

As a partnership, the LLP will simply distribute the cash to the partners and account for it as an adjustment to the Partners' Capital Accounts.

A similar analysis can be applied to adjustable rate mortgages.

If any of the current loans are adjustable or balloons, this will not be a viable solution for them.You could go for a sandwich lease.