Some electric companies have quit buying back excess, so that can be an issue too.

Excess Liability: $5M aggregate/per occurrence. 

Depending on it's initial condition and your appetite for living in a construction zone, this is an option as well.

But 15% is a good number, and if I have excess funds year-end, it goes into the next year's account in case there I need to replace a septic system or HVAC.  

Develop a keen sense of financial acumen and a ravenous appetite for opportunities.

My appetite for risk isn't low but I do not want to be overly aggressive given where we are in the market cycle and given the fact that this is California.

If you want to invest in more rental properties with your excess BAH then I’d suggest looking anywhere else on the Mainland where the 1% thumbrule works (at least a 6% capitalization rate)-- and where your invested dollars will go a lot further.On the other side of buying a home in Hawaii while you’re on active duty, I get many unhappy e-mails and other comments from people who’ve bought here and then can’t cover the sales expenses.

I think these are some good options for excess income for awesome people like Doctors who work ridiculous hours.

You are charging tenants for a 3, 8, or 9-year-old refrigerator that probably had little to no value, but you are not charging for ripped carpets, cracked floors, and a neglected water leak that would reasonably be considered excessive wear/damage?

Usually our best and longest term tenants partake.Many different factors involved but unfortunately in my experience I've seen alcohol and excessive sugar/fast food consumption (obesity related health challenges) negatively alter more lives than weed.