Each unit's contingency can vary depending on what each needs. 

But it is actually about 1/3rd the real estate taxes (perhaps as little as 1/5th; "percentage of ground floor to entire building", but SF numbers for the floor and building vary), they pay their own maintenance and water/sewer but nothing beyond that.

Proper advice should vary significantly depending on whether this is a free and clear one-off lot on the side or a huge portion of your portfolio with a massive payment.In general, I'd say no. 

Loma it varies greatly from West (near the bases) to East.BTW I am surprised at the budget your conversion planner provided. 

That won't help your credit but at least you'll feel better (Probably not) knowing she has the liability.

Neither have a mortgage, owned free and clear-No high credit card balances-Credit score - TransUnion as of 7/29/18 - is 796We haven't decided if we will sell the townhouse or keep it and rent it out.

I have great credit, but I would like to avoid shortterm debt costs.I realize that I would loose income by delaying the renovation, but it is often hard to find good tenants in winter anyway.

I paid - $2,226.54 in credit card processing fees. 

Varying grades and material thickness.

I’m starting to look at duplexes in my area as I work on fixing my credit score and I hope to get into something by the end of the year or beginning of next year.I look forward to being more active in these forums!