There is a reason why Clayton or anyone at his company are not active in the largest real estate investment forums on the web here at BP.

As Warren Buffet has said, “Only when the tide goes out do you learn who has been swimming naked.”Suggest you really ask yourselves if you have what it takes to be investors and how committed you are to see the inevitable challenges through.

US Assure is part of Zurich which is one of the largest and most reputable insurance companies out there.

@Shahil Keshav, assuming you are truly taking into account all reserves, then typically you will want to use the free cash flow where it can generate the largest overall return.  

Largest inventory of anxious sellers that missed the summer.Worst time to rent something out is winter in cold regions.

Farmers can handle your home, auto and umbrella and Farmers owns another insurance carrier called Foremost they are the largest carrier for rental properties.

The largest assurance you have that they pay their rent and not destroy the unit is the ability to ding their credit. 

For this project we decided the ADU will be accessed from the alley, going with the minimum setback off the alley since there's hardly any thoroughfare traffic and that left the largest buffer between the two units / tenants.Services such as mail and deliveries, trash pick-up - your mailman, ubereats, amazon delivery driver probably isn't going to walk all the way around the alley to deliver to your ADU.

Here are some examples:  (1) Town of Gardner, MA: Price Chopper added a location and anchors a shopping area around downtown & Super Wal Mart came in a little beyond the downtown area, those came in about 8 years back but it took about 5 years for property values to start appreciating dramatically, (2) Town of Athol, MA:  World's largest Hobby Lobby, Starbucks & an IMax along with a really nice Market Basket (regional supermarket), property value went up BUT it took a few years for a noticeable change and sales are still really choppy because the town itself is very remote.   

The mortgage market has responded with one of the largest daily rate drops in my two decade memory, and a near historic daily decline in treasury yields on record.