However, I suspect we will qualify, and if so, I still think it comes down to a comparison of the ROI of the two scenarios which seems to favor RE investment, but with more risk.

I also suspect there are 2 more people that are not on lease, living there.When I ask about it, he said I have no right to ask about it, they are just visiting etc.

I suspect if USAA would have provide the umbrella coverage directly it would have been cheaper than Farmers.  

No idea if staging would have made a difference or not but I suspect in this particular case we likely would have taken a loss had we paid to stage it.

I suspect not.

There is something called "normal wear and tear" and though it is up for interpretation, I suspect most judges would not be on your side if you expected your tenants to live with nothing on the walls and not a scuff on a baseboard.

So thanks Blair, I appreciate your employees telling me what I had suspected about your system from the start. 

. ;-)K Marie, Oh I get that about district attorney's I suspect Maryland courts are very much like California's.

I suspect this is a misunderstanding.

I suspect you haven't gone through the court system more than a handful of times.