I'm not quite sure where all the insurance myths out there come from, but in order to understand the function and true purpose of insurance, we have to undo what we were either wrongly taught or have wrongly assumed... 

I am sorry for my ignorance because I haven't all the comments, but can't you just send payment to owner via electronic debit or bill pay type function.  

I agree that we should look at a combined version of appreciation and cash flow to determine the best places to invest, however, if that appreciation gets taken out or lowered somehow then what would our returns look like?  

Insurance prices will vary as a function of replacement cost, current updates, and your overall risk appetite.

The "Add to the thread" function is problematic.  

This would be something we most likely would allow one of our borrower's to do. hi, george. thanks for the info. nope, no attorney present. i was able to review the docs, yes, but combining my haste and general ignorance it didn't get caught. lesson learned!

I'm not sure the distinction between your two categories but rehab on my part has been focused on functionality and durability as opposed to looks.

I think the bottom line here is that it’s very frustrating to try to do business with parties who don’t feel the need to function with any kind of professional courtesy.

Anyone having tenancy in the unit, over age of 18 is screened, criminal background check per person is what your looking at,,if one of them don't meet criteria then you have to reject the application..Credit wise you combine the 2 incomes to see if they meet the credit criteria,, one may have good credit / income,, one may not... but combined they still would need to meet the criteria set.A person, even a child is a tenant,, they are listed on lease as minor child , date of birth.If your criteria is 2 people and the couple has a child,, then they would not qualify for the unit they are OVER occupancy.. 

People like clean, functional and value from a landlord that is not a nightmare (fair and firm is fine).John Corey