If you insure your property based on market value and not the true replacement cost (in most situations) you will get penalized by your insurance company for not "insuring it to value" properly.There are ways to get around this but it's best to insure your property to (the proper) value!

I owe about $8500 on my car, $1k on my computer (needed for school at the time), and a credit card with a balance of $500. 

An existing Facility that's being properly managed should have an expense ratio of 32 - 35%, that is the industry standard. 

You need the proper insurance.Also, and most importantly: if you sell now you don't get taxed on capital gains as it was your primary residence. 

Right, this is the situation i am dealing with now.Never get personal checkFelt stupid and upset why I did not do proper screening check tenants this time.Thank you for your advice.

The fact they are complaining online might be an indication the property manager dealt with them properly so be sure to ask the manager for their side of the story.7.

Proper communcation is important, to make sure you are aware of what's going on with your property and tenants.  

If we can safely and under the proper rules/regulations turn the basement into a bedroom, then we can refinance with a higher ARV.

I have the ability to generate a list of Landlords in my area, Are there template mail letters/post cards that we can use to get started

If you do most of your shopping at Home Depot, make sure you have your Pro account activated and tied into your credit card.