I don't think seeking appreciation is purely speculation but seeking appreciation while having negative cash flow can be a dangerous game. 

I haven't shopped around for insurance for a few years now, but I noticed a significant increase in how much we pay for our Texas  rentals.What REPUTABLE (with good/excellent history of paying out in case of fire) insurers would you recommend? 

I haven't shopped around for insurance for a few years now, but I noticed a significant increase in how much we pay for our Texas rentals.What REPUTABLE (with good/excellent history of paying out in case of fire) insurers would you recommend?

Agree with Jeff GreenbergIn Texas, the buyers can seek legal actions against the seller in such circumstances but you will need an attorney to represent you. 

Hi Matt- If you're seeking non-conventional options, I just sent you a PM.

I do, however, advise waiting until you are able to find or create a great deal that you can afford before investing, and those type of deals don't just fall into your lap, you must work and actively seek them out ... the sooner and harder you start looking for them, saving for them, and educating yourself on how to spot and find them, then the sooner you will find them.

Hello,I just reviewed my homeowners insurance policy for my duplex, and noticed it will increase $130 per year, which starts next month if I choose to renew.

I would think it would be part of the budget (a Maintenance Item) and then everyone assessed for it, by a small increase in your monthly HOAs.  

I also like the north Fort Worth area, with a lot of new construction I feel like the area will continue to increase in value. 

However, we do encourage you to seek your own counsel."