Class C from half way around the world fully levered..

Although insulating the floor is a nice extra, it is not the primary way that cold gets into the house.

Otherwise, they have to eat the extra expense just like homeowners do.I would talk to an attorney and your insurance company.

In my experience, financial advisors that work for a Registered Investment Advisor charge about half of that. 

One effective strategy to maximize unit potential is to explore opportunities for adding extra units, especially in C-Class properties.

Others investors drive extra ROI by thing like ability to reposition property for greater profitability and or less risk; ability to rehab property at less cost, ability to identify areas where gentrification is likely to occur, etc. 

If I sense the buyer is cut from this fabric, I will negotiate extra hard against repairs to the extent they simply walk.

Insurance is expensive, there is a lot of extra maintenance like painting or electric in common areas that don't apply as much with smaller units. 

Its taken basically 12 years to get back to maybe half of what I had at the time.Bottom line RE cycles and I suspect most of the folks that are having issues did what they thought was correct or right and the market has gone against them..

So your saying select No Damage Protection and just submit an extra charge when it's warranted?