Good HOA’s also preserve the standard of quality in your community.With that being said 850k is enough to purchase SFH’s with an ADU of duplex in some cities of the East Bay.

When trying to sell 4 wheel drive trucks in Texas, the standard response by the potential buyer was "Don't want it, don't need it, don't want to pay for it." 

I don't think we have a right to tell tenants how to live, but we do have a right to set living standards vis-a-vis the lease; e.g. setting expectations.My duplex has an upstairs tenant who was messy, in the sense that they didn't clean up their food and dirty dishes.

Standard repairs and clean up.

I’ve got a mix, and am wondering how best to calculate your net worth “number” and withdrawal rate in that context.The standard 4% withdrawal rule (must have assets of 25x needed income) assumes some rate of a return in a mixed portfolio of stocks and bonds.

It's a business and you need to set the standard and expectation with your PM to keep it operating as a business. 

What you listed are the standard features.How big is your portfolio? 

Now , if I find ceiling fan damaged, I just remove the entire fan , and replace it with a standard light.

Don't think soI have a standard NJ lease that I got from a realtor

I thought 75% was pretty standard with some banks offering 80% LTV.