A large hurricane (4+) would cause almost a total loss. 

I do require my renters have renters insurance and my lease has their insurance cover their items during a loss to the property. 

If an item was paid or financed by someone else, then it doesn't go in the denominator, but financing should offset the numerator as expenses in what is received. 

I have neglected my credit for many years and for the past year I have been working on fixing it/paying items off while trying to save.

My bank won't even finance residential real estate for investment purposes on it's commercial side anymore due to the losses from the last downturn so be glad you found one bank that would.  

Given that it was Sunday the part was not available.On Monday, the commercial tenant claims to have experienced a loss of revenue because the space was too cold to receive (scheduled) clients.The tenant offset the rent by the amount of revenue alleged to have been lost that Monday. 

At the time, the market was way down so rather than taking a loss, my wife and I decided to hold onto the property and rent it out..

Tasks performed can include, among other things, pulling a wheelchair, retrieving dropped items, alerting a person to a sound, reminding a person to take medication, or pressing an elevator button.Anxiety does not constitute a service animal.

I would say if your home are relatively expensive, it is worth it to go with AHS because if an expensive fridge (or any other item) breaks it's replaced in that $100 service fee and you end up saving a ton of money.

If an item is $100k and the interest rate is 5%, I would much rather take the loan save and invest the cash, and earn an 8% return while paying 5% interest on the money.If those numbers start to favor buying cash, either from higher interest rates, or lower probable returns, then look at paying cash for it.Adam