Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

Government will inspect your property annually and most always find some items they will require you to repair.4.

But, I digress.What additional items, value I got out of the program:Community, community, communityGreat friends and business partnersThis is not unique to Subto, as seen here in BP.

You can always ask for those items at any time, but it doesn't mean that you'll get them. 

I like working with a diverse group of honest people and giving back the knowledge I have learned around the way and to share with others.

I have remodeled the unit completely prior to putting it to rent, including addressing pre-movein readiness checklist I was given by RL after they walked through the unit (small list of punch items like toilet paper holder, cleaning unit, door stopper etc.).

The bigger and more diverse your business, the more cumbersome managing multiple policies can become.Administrative Burden: If managing multiple policies is consuming too much time or resources, consolidating may be a way to streamline operations and reduce the workload on your team.Negotiating Leverage: When your business reaches a certain size, you may have enough premium volume to negotiate better terms by consolidating with a single carrier.Final ThoughtsConsolidating your insurance portfolio into a scheduled program can offer significant advantages in terms of cost, simplicity, and risk management.

I look at every single item in the pro forma and imagine that it is complete BS, and see if I can challenge it.

I expect you are aware of various mistakes without the need for them to be itemized and will do better next time.  

I agree with Jonathan--most of these items will take place once you are under contract.