Which is probably why some swear that some environmental factor is giving them trouble when others have no issue.The gold standard for mold testing is called the ERMI and can be ordered from mycometrics.This might be a can of worms you don’t want to open and would agree with most of the posters and let them out of the lease.

I looked as stocks, realestate, gold, insurance, etc...

In some cases US real estate is akin to having a bunch of gold bars in the closet for investors in other countries.

Putting your money in gold bars that you hide under your bed and pay huge commissions for?

I was given a quote for AMFAM Gold Star Deluxe Policy with Plus endorsement . and also another one with Elite Endorsement.The Plus Endorsement says - Personal Property coverage is for specific perilsThe Elite Endorsement says -Personal Property coverage is for open perilsBut agent says both of them are HO5 type - is that true?

Check with  They cover MANY states, and offer great rates.Western Gold Insurance AgencyAgora Hills, CA. 

Once you get things rolling, you'll eventually realize you are living in a gold mine.

It's a gold mine. 

They all think they're sitting on gold mines (and this was in 2013)...and to be honest many of them are...Anyway, I eventually just found the Santa Clarita 4-unit on the MLS.Where direct mail does work in SoCal, however (or at least where it worked for me back in 2015...not sure the market now as I haven't bought anything in SoCal since then), was for older absentee SFR owners in the outskirts of SoCal...I had several people willing to sell me their properties at a deep discount (for cash and a quick close), but I only had the cash to buy one at the time.

A good buyer's agent is an asset that's worth his weight in gold.