It is great to be a provider of safe, affordable housing, but doing so also comes with difficulties.

I'm mostly worried about the interest rate changing on the HELOC and not being about to afford it and go under water.

In the future, we plan to be more conscious about cheap and affordable style choices.

Cripple Creek is busy year round and properties are relatively affordable. 

@Evan Swanson Some of it boils down to affordability.

Act as is the lease is being terminated and point out that since she can't afford the unit by herself and can't find another roommate, she needs to be looking for a new place immediately.

Look for a more affordable market, more strict tenant screening.

It is your responsibility to decide if you can afford it and think it worth it but most of your questions has been answered on the forum, you just have to search for it.If you can't find it here then do a some google search and call the city so you can make an educated decision.Are they zoned for 4 unit conversions into 5 units?

I also have umbrella policy through Allstate and bundle all my other coverages and it is definitely very affordable.

There's not much difference in cost going up in tiers.Buy as much insurance as you can reasonably afford if you're not wealthy enough to self-insure against reasonable possibilities.