To add, if a person voices a concern about a smell, I will then also recommend and special air quality test because I am no expert and I make it clear they should seek an expert's advice as my opinion should carry no weight.

The issue becomes asking the HML to carry the weight.

@Hani Alomar That's a pretty loaded question.

I have never found that the benefit of having a security deposit out weights the headaches of having to deal with it appropriately.

I'm sure she's loaded with other clients, and I was always nice.

Obviously being a BRRRR, the appraisal is going to carry a ton of weight. 

I suggest an umbrella coverage because it is the most dummy proof and because if I ever get sued I will have a heavy weight in my corner (the insurance company). 

I BRRRR a few long term rentals, land at roughly 70% debt load and the market tanks.

Without counterbalance work branch will grow so big and heavy that it will bend the tree to the side and can even brake it under its weight.

The numbers are roughly as followsPurchase price: 45000Repairs: 20000Total loaded onto HELOC ~65000Now that all the repairs are done and it's fully rented, the plan is to use all rental income from this property and the other rentals in our portfolio to pay this HELOC down as fast as possible.