rental property Archives

Blog

Replacement Cost vs Actual Cash Value: A Landlord’s Fire Lesson

A landlord's Binghamton three-family burned down and actual cash value coverage paid only $130K — not enough to rebuild. What replacement cost would have changed.

Mike HambrightOctober 22, 2026

Blog

Contractor Turned Real Estate Investor: Where the Model Breaks

Doing your own rehab labor looks like free margin. Shawn Durkovic names the exact failure mode, the sub bottleneck, and the rules that actually transfer.

Mike HambrightOctober 6, 2026

Blog

Cost Segregation on Small Rentals: When a Study Pays Off

Cost segregation on small rentals is worth it more often than advisors say. Real numbers on study costs, first-year deductions, and avoiding audit risk.

Mike HambrightOctober 2, 2026

Blog

Off-Campus Student Housing: How to Buy and Rent by the Room

How to buy off-campus student housing: the 3/2/2 and 4/2/2 property profile, per-room lease math, the refinance sequence, and where the off-market deals come from.

Mike HambrightSeptember 30, 2026

Blog

Why High Cash-on-Cash Rentals Fail: The Cycle of Death

Why 15-20% cash-on-cash rentals fail: the buy-rehab-evict-rehab loop, the night test that screens bad areas, and how to vet a property manager first.

Mike HambrightSeptember 9, 2026

Blog

Converting a Primary Residence to a Rental: The 3-Year Ladder

How to build a rental portfolio by converting a primary residence to a rental: the 3-year ladder, owner-occupied financing math, and the city rules that…

Mike HambrightSeptember 2, 2026

Blog

Cost Segregation on a $320K Rental: The Actual Tax Math

A cost segregation study on a $320K rental produces about $68,000 of first-year deductions. Here's the full math, and the 750-hour test that decides if…

Mike HambrightAugust 26, 2026

Blog

Denver Rental Property Investing: Eviction Risk and Cash Flow

What Denver rental property investing actually costs now: six-month eviction reserves, $30-40K worst cases, 20-25% down to break even, and DSCR vs Fannie pricing.

Mike HambrightAugust 26, 2026

Blog

Investment Property Insurance: Replacement Cost vs Market Value

Why purchase price is the wrong number for investment property insurance, how carriers set replacement cost, and how to tell if a cheaper quote is…

Mike HambrightAugust 21, 2026

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