The takeaway is I won't have covered parking if I do the addition.  

i am looking at pair of quad plex units on the same property.they are asking $330,000 for the pairthe first chart is off the sellers numbers                                       MonthlyAnnualIncome:$4,500.00$54,000.00Vacancy (10%):$450.00$5,400.00Management Fee (9%):$405.00$4,860.00Property Tax:$483.33$5,800.00Total Insurance:$208.33$2,500.00Maintenance Cost:$1,666.67$20,000.00Other Cost:$375.00$4,500.00Cash Flow:$911.67$10,940.00Net Operating Income (NOI):$952.17$11,426.00 i adjusted the number and added mortgage payment                                     MonthlyAnnualIncome:$4,500.00$54,000.00Mortgage Pay:$1,409.16$16,909.88Vacancy (10%):$450.00$5,400.00Management Fee (10%):$450.00$5,400.00Property Tax:$483.33$5,800.00Total Insurance:$208.33$2,500.00Maintenance Cost:$1,250.00$15,000.00Other Cost:$416.67$5,000.00Cash Flow:$-167.49$-2,009.88Net Operating Income (NOI):$1,286.67$15,440.00 i over figured vacancy to cover one unit empty per month.other cash flow covers trash and waterthere are a total of 9 units. i know i am problem not giving you enough infothis would be my first investment property and i am a little gun shy of the deal

You're fortunate that you have that rental property to cover your obligatory expenses but do not get comfortable.

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

I understand the hesitation of animals but can guarantee through the lease that if there is any destruction or smell we will cover the cost. 

If you are looking at Tri-Lakes area or north, it moves into the REColorado MLS that covers the full Denver Metro.

To cover myself, I added the following provision to my lease..."... when needed to water the grass, Tenant agrees to allow use of their paid water to maintain lawn health and appearance as needed."

About the only thing I know they cover (he told me some of the stuff on the phone) was replacing roofs and cutting grass and removing snow.  

Situation: Contracted for $95K, 1150 sq ft, 3 bedrooms, 2 baths, built-ins, bay window, 2 car garage, front covered porch, very cute.

New housing starts have suffered due to a lack of labor that left at the end of 2009-2010 market downturn.Prices are based on supply and demand, not interest rates.Rising interest rates will increase the cost of ownership, but it won't be able to change the supply problem.Those that can afford it will continue to buy at the maximum of what their wages will afford.