I have made exceptions but not much.

That said, there are the rare exceptions, and I have been able to collect a small number of them, and a couple of my friends have done likewise.The bigger money in residential RE here in Hawaii is in one-off house flipping, and residential development.

At first glance, the walls don't look too bad (except those 3) but on even a slightly closer look, much touch up is needed.

I know a Sr Tax Associate there, and while they rarely do individual returns, he might make an exception for someone that was personally introduced.I haven't made the switch yet because it was cheaper to stay with my guy, and because my return isn't all that complicated yet.

This must be a newbie assumption but I thought insurance covered everything except flooding.

Only happened one time... turned out to be a non-issue really since the tenant took exceptional care of the property.

All was going well except for a few recent smaller issues that seem manageable.

I know there are exceptions, and those exceptions I will gladly pay for.

Exceptions: rural property can be much cheaper (the French buy in the towns and newer property).

Regional population has steadily declined, in fact Allegheny County has the highest population loss per year with the exception of the Lousiana Perishes centered around Hurricane Katrina.