.• Central Valley B-markets tend to reward clean, well-maintained properties.Working-class tenants in this region are generally stable, but they also expect responsive management and safe, functional homes.

Cash flow is a function of stability as much as gross rent. 

This signifies that these carriers are willing to take on policies that are lower priced and therefore implies that the risk for these companies must be going down.Yesterday, I received an email from Tower Hill Insurance, a long-time provider of insurance in Florida that stated"The combination of the favorable weather and the reduced litigation costs provides us the opportunity to lower rates for our members.

You and your older brother could even combine forces and buy together for your family. 

It is also to combine a consolidation exchange while selling the properties as individuals.

Therefore general low inventory is likely to happen in the foreseeable future (obviously no guarantees).I have only heard of this, but is there a chance later on down the road to buy a neighboring unit and combine?

Cheapest most functional way to remedy that ungrounded issue.  

I have used a combination of debt and savings for down payments. 

The challenge is that Tampa only allows one ADU per lot, with a max of 950 sq ft of total livable area for that unit.That means I technically can’t create a second unit, but I can expand the existing ADU, as long as the combined upstairs + downstairs area stays under the 950 sq ft limit.Here’s where I’m stuck:- I could design it as an “extension” of the ADU (same address, one unit on paper) and just have a kitchenette downstairs instead of a full kitchen.- Each level could then be rented separately, similar to how people rent by room, but still under one ADU structure.My concern is the permitting process and cost.

It helps to understand how passive vs. non-passive income works, along with the different tax benefits and trade-offs of long-term vs. short-term rentals, especially when combined with your W-2 income.