And it can’t create alternate supply chains as a substitute for China’s role as manufacturer to the world.

The owners and managers deny they discriminated against families with children but agreed to resolve the matter through the Conciliation Agreement.Under the terms of the agreement, the owners and property managers will pay IFHMB $10,000, abolish any two-person-per-bedroom policy, remove language regarding the two-person-per-bedroom policy from advertising and marketing materials, and have property managers and staff that interact with applicants and tenants attend fair housing training.

Yeah, they're stuck on an island for now until someone comes and gets them, but the alternative (both of you drowning) isn't ideal for anyone. 

Rather than taking her to court I figured out an alternate way to deal with her.

Part 1 of 5: What is a Deductible Buy-Down ProgramDeductible Buy-Down programs are insurance policies a business/real estate investor can implement in their protection plan to lower the amount of deductible they have to pay when there is a claim made.These are policies which are in addition to the normal coverage plan (property, liability, auto, umbrella, cyber, etc.)Part 2 of 5: How Buy-Down Programs WorkThey are one of many ways a person/business can implement alternative insurance protection.Buy-Downs are added to protection plans to lower out of pocket expenses for the insured at the time of loss (a claim)Example of how a Buy-Down program works:You have a commercial property portfolio.Its insurance policy has a deductible and a premium.

Especially when there a catastrophe (i.e. storm ⛈) The costs of materials and skilled labor increase drastically.

If the market rent is low, Airbnb might be an alternative route.

Because when you buy a distressed or rehab property it needs to be done with alternative lending.

You are going to spend too much, even when being cheap on materials, you are going to get bamboozled by service providers, and you are going to want to grasp at all advice, not knowing which is the best.

. ** I recognize it might betough to find 4 properties that are actually worth investing in attoday's prices, but let's assume we can find them (or be patient enoughfor opportunities to materialize).Option B - Buy one larger multifamily (e.g. 12 units) for $3 million (with ~$1 million down payment).My questions are:1) Is one option clearly better than the other?