Local company I can recommend is Leverity Insurance in Beachwood, Ohio  - you can ask for Joe Corradetti.If I am not mistaken: Actual Cash Value = coverage less the depreciation Full Replacement Coverage  = no depreciation loss and possibly will accommodate code upgrades (you should check the rider on it, to make sure if you do or do not have code upgrade)Always consider the worst case scenario, you may have to decide based on value depending on your projected financials .... so ask questions when you make your decision.Welcome to CLE! 

Flat dollar value per door?  

Parents plan: My plans plus complete kitchen gut, new trim, new doors, remove fireplace to accommodate a new half bath and walk-in pantry(that one isnt as straight forward as it sounds because a beam had to be added to support the load and the entire house had to be re plumbed to add the bathroom!).

With higher end properties in say a mid west market were Curt is remember you can buy BRAND new construction for 140 to 160k a door this is what buyers will compare to your 20 YO house thats been a rental.. to get retail value you would need a major renovation.I have been doing some renovation deals in the mid west last 3 years and you have to totally dial them in to get anywhere close to an appraised ARV or what you think is retail.. and I mean totally ... buyers in these markets have an over abundance of choices.. you may find that TINY pocket that is hot but other than that I think my statement is pretty accurate based on my personal experience in the mid west marekt place since 2002.

People are always your best source of access and information:  People like to be helpful and will often hold open {secure} doors for you, give you access to networks, tell you where someone's office is, etc.  

What am i suppose to do, or is there a better legal agreement?  

Tenant kicked in the side door into garage, resulting in dented door and broken frame.

We also found out that the owners that owns the four plex owns the apartment complex next door.

I'm a truck driver by day and I'm looking to change careers. im looking to get into wholesaling, fix& flip, rehabs , multi family units.

I think looking at our properties collectively, at the portfolio level (even if you only have a few doors), is going to be important going forward.