A personal liability policy "MAY" extend to one or two rentals but if you are planning on building a portfolio consider the commercial umbrella.Another thing to consider is that the courts frown on carry high personal liability but low business liability when trying to hide behind the vail.

An avg buyer should just DCA into broad low-cost, load-free index funds.

Most banks I work with require anyone with over 20% ownership to guarantee the debt but have seen as low as 10%.

Depending on your credit score in the US and credit trade line history, you could put as low as 25% down.

. - low vacancy.  

Down payment of $13K including reserves sounds pretty low to me . ( Based on Maryland )

I know this seems low, but the way I see it, this is how much the buyer would potentially walk away with if they posted it on the market and minus all the fees and concessions so I am getting them to that number with none of the hassle and removing the issue of a looming foreclosure.

(long as loan is paid) By the way, I had this house 2 years at the time and the loan was low interest for that time. 

Does not appear to be low IQ person to me .

Low and behold they just shut down my membership.