That seems like it defeats the purpose in have a rental property. 

to me, this model ( 1 ) assumes that rent will just magically come in every month forever, and ( 2 ) defeats the whole purpose of why many / most BP members become RE investors. 

Actually anything is possible when we get past those self defeating thought that can sometime paralyze us.

Or is it one of those things where sure, it's not as responsible as NOT taking out the additional $5 grand but its better than defeating yourself due to the potential risk involved and not doing a deal at all?

I can try lowering price, but if I do that then I will feel defeated as that would mean I over-estimated my potential rents.

A lender, tenant and other lien holders can file this suit against the "skimmer"The federal act of skimming involves any skimming against a VA or FHA type of loan in a multiple act.Skimmer's defense: This is when the one collecting rents can defeat the skimming claim by proving:1.

Otherwise, it just seems like you are defeating the purpose of what you are trying to accomplish.

The logic defeats itself, but very typical of a "market".

But enslaving Sparta defeated Athens anyway, despite Athens democracy.

"investing" them sort of defeats the purpose.