Do not rely on it as legal advice.

People in Houston didn't have flood insurance because just as you said "not sure there is much of a risk"my house was flooded in NC during hurricane Matthew last year, not in a flood zone because "not sure there is much of a risk"If there is no mortgage, I don't believe you need insurance legally, whether or not you get it is 100% up to you.

Legal counsel would be a good avenue to consider at this pointA couple of paths to explore:Did the Property Management Company have authority to re-lease the properties? 

isn't that a legal requirement? 

I have respect in the marketplace and because I stage and professionally photogragh my listings, I get showings...and offers.

I have experience as a general handyman, but  am a complete newb when it comes to professional construction and would like to gain some experience.

Johnathan.. what you also had and you may or may not know was the strategic foreclosures in NV CA and AZ.and the banks could not legally get deficiency judgments at least early on..

In other words, either you or he can accurately predict which dividend stocks will perform better than the market.If 97% of professional investors can't beat the market, what's your edge?

Why didnt YOU hire the appraiser since you are a real estate professional?

What will be roughly foreclosure legal cost for lender in california?