My PM did suggest this initially, but I guess I was just too nervous to pull the trigger. 

With the market starting to shift I have started to notice more sellers starting to get more nervous about getting their initial price and completing the deal.

Through very fortunate circumstances one of our rentals is paid off, Im nervous now that we don't have it under an LLC/trust we are risking our equity in our rental.

(However, we are in $138,500 debt total with the properties above .)With us growing, we get nervous every now and again that we are doing the right thing.

As nice as it would be to have it continuously rented, even if it was vacant for six months, if I charged double for the other half of the year it was rented, I'd be even with the rental income I'd have collected if someone had signed a one year lease.Capital expenditure repairs are something that makes me a bit nervous too, especially since many of these quadplexes seem to be built between 1920 to 1960, give or take.

My PM told me that in Alabama its not mandatory for tenants to have renters insurance, this made me a little nervous and I just wanted to know what sort of insurance coverage do other landlord take?

@Maria King Don't be nervous!

Alright, I am a little nervous but I am putting in an offer on my first investment property out of state using a HML.

It probably depends on how your local rent market and competition is functioning for a similar product.The lady tenant you are mentioning with the cats, kids, and significant other makes me nervous.

This has spilled out into the downtown market but Im not sure whats the overall effects are on other parts of the city.My Father still had a good lease up for the fall students but he gets more and more nervous every year with how much new construction keeps coming onto the market.