Second Chance (http://www.secondchanceinc.org/) is a non-profit (501(c)3) out of Baltimore that sells used materials in their store and performs "deconstruction" of houses prior to demo.

Full disclosure I work for Provident Trust Group, a self-directed custodian, so while I am promoting services that we may offer I am not necessarily suggesting you use us for those services, you should do your due diligence and determine which custodian best fits your needs if you decide to move.Hope that helps, let me know if you have questions!

McGraw-Hill wanted me to add some new material, so that helped wipe out my summer.

I'd check what values they used to come up with your premium to make sure they have correct square footage, number of units, materials etc, and that you agree with their total replacement cost. 

You're trying to go for neutral, repeatable materials you can use over and over.

Hello all,I am new to the BP forums but have been a landlord for about 10-yr (former primary residence turned rental) and need a referral to a very competent Handyman to help us completely insulate and encapsulate our crawl space under our shared foundation townhome/PUD.The companies who specialize in this type of encapsulation work seem to charge an arm and a leg >$5K when materials are less than $900 so we just do not have it in the budget, however, we would like to get it done before the fall when the skunk mating season begins.I have contacted a few Craig's list people who do side jobs and work for insulation companies full time but they have not actually done an encapsulation system and also want to charge what the big companies charge, one guy actually quoted me $4.5K+ with a straight face and unlike the companies I would have no warranty or recourse if problems came up after install!

I would be surprised if there are other offers that would materialize in the numbers you are saying.  

I'm currently in the process of renovating my vacation rental in Palm Springs and will be promoting it for sale off market.

Reference the Howey Test for determining if something is an investment contract:"a person invests his money in a common enterprise and is led to expect profits solely from the efforts of the promoter or a third party," To the original poster - there are plenty of vanilla operating agreements you can find online, you can get one from Legal Zoom for very cheap.

If you need to do ceiling work anyway the added cost of the material is well worth it.