You'll need a specialty firm that can provide more flexible documentation in order to truly diversify. 

Plus cheap health insurance for the whole family.So I'll just keep plugging along.

Just go when you said you would, document anything damaged, missing, dirty etc and fix the place up asap.Type up a letter stating why the deposit is not being refunded- late rent, damage, etc and mail off to him.

See if insurance will cover any of the costs.2.

So keep the extra premium in mind for your numbers if you plan to get conventional financing after as they will most likely require flood insurance and that can be pricey.

Mine calculates everything including retirement, education funding planning, life insurance need and many more. 

Go out there in a rainstorm and film what's happening and get some documentation of the damage.

I should also point out that no such expectation/agreement is written into the governing documents, nor did I or any resident ever sign a Non-disclosure or Confidentiality agreement to that effect. 

Between furniture, updates, insurance, all those things that turn a home to a house, "the forgotten costs" seem to add up quickly.What are some hacks others have to make those forgotten costs not so expensive or strategies to spread those costs overtime.

If one was to GC a new construction or a flip project (in NJ) would you need to take out a general contractor insurance policy or does the builders risk insurance policy on each property as well as hiring fully insured sub-contractors suffice?