That being said some tips for lowering your premiums regardless of location include:Wind Hail Deductible: Roof claims after a storm make up a substantial amount of insurance claims on habitation properties.

In short, the best Real Estate CRM to use is the one that fits your personality and habits in my opinion. 

Plus, it’s a good habit to get into for your own peace of mind.Many of the answers here are very solid.

I have strict habitability rules that says no more than 2 people per bedroom.

You will receive an Addict award along with a habit; as well as learning and retaining useful real estate information without struggling.At the bottom of this page is a list with help in it.

However, because the available balance is essentially liquid, this could potentially adjust a person's spending habits because they feel like they have more money at their disposal (see conversation a few posts ago about pushing the strategy too far, too fast).  

Cap Rate is vital for evaluating the potential return on investment and comparing different properties.Understanding both metrics allows an investor to make informed decisions about financing, property selection, and investment strategy.

Since it's not a habitable issue like no heat or running water, they may not be that interested in helping, but it's worth a shot.  

I have some bad habits that I am resolving and treating this more like a business.

Even though I have one house I am really looking at it in a business way.I picked up some bad habits like exchanging deposit for cleaning.