We manage and own a large number of rental properties and recently discovered significant gaps in our General Liability coverage, specifically related to:• Mold / moisture exclusions• Fungi / bacteria exclusions• Sewer or septic backups• Long-term water intrusion claimsOur current GL policy excludes most of the above, which is concerning given tenant litigation trends.Questions for owners/operators with large portfolios:• How are you insuring against mold/moisture-related bodily injury claims?

Hi Everyone, Do you guys know about the best equipment that is not crazy expensive to detect if a wall is humid? Do infra red thermal cameras work for that?Open to any and every suggestions, Thanks in advance! 

Water intrusion and moisture damage (found in 68% of reports where sellers disclosed "none")This is the big one.

I go and inspect and there is literally no leaks upstairs, no water lines in this section of the house and no rain for days outside and no sign of moisture intrusion from outside.

If the floors are solid underfoot, the joists look sound, and there’s no active moisture or rot in the crawl space, it’s often something that’s been that way for decades.That said, I wouldn’t automatically call it “character” either.

Have been involved in deals excesses of $100m.

Ok, since we source the vast majority of our capital from banks, let's test your theory:• Speed when opportunities arise - agreed that hard money / private lending has an absolute  advantage here• Creative financing solutions - our construction loans from the bank are pretty darn good;  "creative" strategies always seem to be more risky than a bank loan;  this one is borderline • Consistent access to capital - if you have a debt cap with a bank, no issue• A partner that understands your strategy - the bank VPs we work with understand our strategy as well as anyoneNow let's add a few line items:No points - bank winsNo last minute delayed or dropped financing at closing - bank winsNo scams - I read about a lending scam on this board routinely - I've never heard of a legit bank scamming money on a loan (although charging excessive fees, sure) - bank winsWould I borrow from a hard money lender? 

It’s less about “checking on tenants” and more about trend-spotting — small moisture, wear patterns, ventilation issues, etc., before they turn into projects.Material choicesDurability usually wins over lowest cost.

This means all excess cash flow is being taken by the bank, resulting in zero distributions to investors for 2+ years.Tenant Risk: Major tenants have either consolidated or vacated, leaving roughly 34,000 SF of vacancy.Investor Experience:Communication has been provided through quarterly reports, but the financial reality of the "buy and hold" strategy has shifted significantly toward capital preservation and debt reduction rather than growth.

BatchDialer has been our go-to for cold calling specifically - simple interface and our VAs picked it up quickly.When to Scale:Add a VA when your current one is maxed out on hours and you consistently have excess data.