HSAs in combination with high-deductible health insurance plans should be available.

One such tenant had a mental disability that lead to periodic depression, but once his mind cleared he was able to get back to work and pay his rent again.

Cash for keys is a quitter mentality but it's a free country.

Just curious, not challenging your statement but how does bankruptcy "demonstrates financial immaturity and risk" since: Bankruptcies resulting from unpaid medical bills will affect nearly 2 million people this year—making health care the No. 1 cause of such filings, and outpacing bankruptcies due to credit-card bills or unpaid mortgages, according to new data.

I was a Realtor for a short while but needed to get a steady income and health benefits back when my wife and I both started realizing our health issues were very unstable.

Did the person last reside with a relative, in jail, in a mental health facility, in a shelter, a recently foreclosed meth house?  

I'm also have a conservative mentality.

I am at a point where I am mentally ready to invest and feel like the best education left for me to get is actual experience. 

The biggest difference is the mentality of real estate investors versus banks.

After turning 30 and having our first daughter, I flipped my mental state 180° and began obsessing over my health and future.I've been scouring these forums and listening to the Bigger Pockets podcast.