Because I'm in a crazy fire area, I can't get regular insurance on my property, so I have to go with a specialty insurer (like Lloyds of London) through a broker.  

I think I have it all figured out, as I have found that she reduced my usable sq/ft by 500 to account for my common areas, but did not do this for the comps, thereby producing an inaccurate price per sq/ft.

It would generally include everything outside of the studs.Do they have enough in their operating account or do they use reserves (constant borrowing) to fund regular operations.

The best way to do this is to interact regularly in the forums!

I think it is also misnomer that more affluent neighborhoods produce better tenants, that is not always the case.

They produce a group of "Newbies" that keep the purchase prices in an unprofitable range for more desirable projects.

It is a 3 family with a seven car garage (which I could eventually turn into an extra apartment) it is currently being sold for 220K and it is producing 3,000 a month.

So if you are still following this make a section of land with two sides on major highways and one side on a regular side road of small town USA.

I am very excited because I am as of right now creating my first Income Producing Property.

Something that is updated regularly?