Conversely, if your place is already much nicer (objectively . . . don't do that normal homeowner thing where everything in the home is the best ever bc it is your precious -- think LOTR's Schmeigal) then you'll find that not much is needed to gain the upper crust of tenants.Let the market determine your moves :) 

Since I have no funds for the downpayment, I also have no funds if they structure the renovation drafts to reimbursable and they don't upfront the drafts, so potentially, there are two sources of financing I need to consider - downpayment on the loan itself and any upfront renovation drafts (reimbursed each time)I realize I'm totally scrapping the bottom of the barrell with precious little as a starting point, but I'm sure others have made it in the past before and I'm hoping I can do the same following the wisdom of other investors every step of the process.I'm also considering a rehab only loan, if the sellers would allow this and split the profit with him, thus negating a sizable downpayment on loan (if any) and I'm only need to contend myself with the much lower rennovation loan costs, to which HML or private investors would be an option. 

Biggerpockets Insights will be the quickest way I found to get fast and reliable rent prices.Some of the streamlined databases like Cozy, or BP insights will cost money but also save precious time when analyzing deals.Good luck!

I dont have jewelry and i put deductible a bit higher ( i am ensuring a worst case scenario, so up to 5% of the property value i accept as my risk).

But one unnamed L.A. businessman has taken this to the extreme, commissioning a custom mask worth $1.5 million from an Israeli jewelry company called Yvel.

I've also seen examples of lenders who don't have their procedures down and waste precious days not ordering appraisals, insurance or title, so I guess it goes both ways.  

They dismissed the case and told me she was already in contempt because she had not paid the fees owed for several precious filings and had also been told not to file again. 

In our area it is usually somewhere in the 30-40% range, and then if you have items that are high value such as jewelry, equipment, etc - you’d want to list them out specifically as that can skew the numbers.Your agent is right though -usually the only way to lower the Property Amount would to be to lower the Building Limit.Also, very common that Replacement Costs are much higher than appraised value.

@Precious Thompson Great question.

Precious metals and tax liens would be a few options.