l have some real estate interests by sheer accident.

We would rather have a lump some ready to cover trouble from the start, than build it up over time only to not have enough if trouble occurs before the % we take out of the rent is enough to cover it.Over the years we find this to be the safest way of handling all of this.JV

Hopefully these problems are freak accidents and not par for the course.I would take a close look at your tenants.

As Mike mentioned, I am primarily concerned with the language of the note and mortgage, and making sure I have legal remedy should a default occur.

Before work begins under this Contract, (GC) shall furnish certificates of insurance substantiating that (GC) has placed in force valid insurance covering its full liability under the Workers' Compensation laws of the DISTRICT OF COLUMBIA and shall furnish and maintain general liability insurance, and builder's risk insurance for injury to or death of a person or persons, and for personal injury or death suffered in any construction related accident and property damage incurred in rendering the Services."

The advantage is that you can't accidently trip the breaker with some other load and have no power to the appliance.  

Seller will not further encumber the property and an affidavit may be recorded at Buyer’s expense putting the public on notice that the closing of this contract will extinguish liens and encumbrances hereafter recorded.RADON GAS & LEAD PAINT: Lead based paint and Radon, a naturally occurring radioactive gas that may present health risks to persons who are exposed to it over time, may exist in this property.

The issue occurs when I receive a response to my initial message, and then I want to reply and continue the conversation, it will not let me send a response.

In the case I was involved in, my borrower was sued for a harm to the plaintiff which occurred before I had done business with the borrower and which had no relationship to the properties I funded. 

I should have just canceled a few days before with the way the situations had previously occurred.