Maybe you can present a public image of yourself that regular folks can get comfortable with?  

Once you have a level of reserves you’re comfortable with, then look at how the car payments affect your ability to further leverage rentals (assuming that’s what you want to do).  

Offer amounts would have mean very comfortable living in Detroit, yes.

I like comfort and for me that comfort is my home.

Many times when people are looking for partners it is very important to offer that protection for people to feel comfortable attaching themselves to other people for a deal.

It will increase the perceived value and the appeal of the building to a new owner...it is nice to know there are new pipes, so it might make them more comfortable buying your building.... but because it is an unseen it will not exactly increase the actual value nearly as much as something like a new roof that they know there is a limited lifetime on,  and much less than a new kitchen would increase.Most owners never consider the fact that they will ever have to replace all the pipes so in their mind you are not saving them any money and certainly not making them any money....so it doesn't change the math.

I purchased most when interest rates were at their lowest (2014-2017) I am comfortable with all of what my portfolio brings in.  

I'm never comfortable depending on insurance alone, as I know they are in the business of collecting premiums and denying claims.

A lot of these southern beach & mountain towns have been supporting STR for 75+ years, long before Airbnb was a thing, so they’re very comfortable with it and it’s a built-in part of the community.A lot of Northern places are FREAKING OUT over STRs & STR regulations & they don’t seem to be very supportive of it.

With regards to the area, I would double check you are comfortable with it.