For instance, he identified the load bearing walls when we walked the property, he understood where the existing plumbing was, and where new plumbing would need to go, he assessed where HVAC ducts were, and where new ducts would need to be routed, he understood the changes that would need to occur to the electrical system, etc., etc., and he understood the costs of all of those issues.

Unsure on the makeup of these properties but it sounds like problems that occur alot in older homes (1930 or older) and converted single family homes like up/down duplexes.

Whats the biggest ticket repair without insurance that could occur?

Since you closed the HML at the end of July, it's possible that it shows up and the lender asks you for an explanation as to what this is for and if the "pull" resulted in any re-occurring debt.

I got in a bad mountain biking accident.

You just have to make sure that the leases stick to the Academic Calendar: August - July, to make sure you can keep renting to Students when a move-out occurs. 

I would recommend putting the Umbrella over your Auto policy as you have a greater chance of having a large liability claim from an auto accident than from a rental property.

I got in a bad mountain biking accident.

What makes a self-directed IRA custodian different is that they are not purely connected to the public exchanges and limited to investing in stocks, bonds and funds, but rather have the staff training and paperwork to document the IRA's investment in the more individualized transactions that occur when investing in real estate, notes and other non-traditional assets.

In my market (city in Upstate NY), Code Enforcement must inspect every unit once every three years, or upon turnover, whichever occurs first.