As a result, it is more cost effective and less hassle to simply buy the insurance and be done with it.  

We don't have any tenants that simply don't pay, they just enjoy paying the late fee, it seems.

I also noticed a lack of inventory when looking for 4plexes.

You simply need to convince the bank that you will actually Close....they’d rather have a full payoff than foreclose. 

Just lack of knowledge?

I simply refinanced it into my primary mortgage.

Oh and as for the orphan days, I simply offer steep discounts to keep the cash flowing.

History does not repeat itself...it simply rhymes. 

Yes you can get better at analysis and knowing more sure makes underwriting faster and easier but unless you are suffering from a lack of the most basic math skills mentioned above, there is nothing about investing that you can’t do.

At least that is my understanding.Do I simply raise the rent enough to make her want to leave, but not an outrageous amount?