I also have $20k remaining in that company's 401k, along with 20k in my current employer's 401k.I'm 34 years old, I'm single, I have ~$40k in debt (auto loan).

I am looking for thermostats for both electric and oil that have either a limit, max temp, or auto set back.

I know you could have bought Phoenix at a 12% cap rate, but let's be honest, NYC is where the biggest guys play and that's not an accident. 

I am also wondering if I could have a lawyer draft a waiver to eliminate any of my liability for accidents and what not on the job.  

Congratulations for an excellent year.I would just like to say that I believe your mistake #1 of self-managing for three months was not a mistake but a fortunate accident for you.

I got into real estate by accident.

Next we pay ourselves as much as possible with the remaining funds and that is auto deposited into Betterment.

Make sure you don't accept any partial payments, or the tenant auto deposits money into your bank account. 

I was reading about some of the legislation passed in recent years in the area and it appears that AirCover has coverage limits that are high enough to be enough on its' own, however, my insurance broker is telling me that I do need additional coverage and that my current carrier won't cover it, so the only option is to rewrite my home/auto/umbrella with a new carrier and it may double and balloon to like $7K/yr!

Would you be able to set me up on an auto notification for multi families?