It's stable, safe, wealthier and generally cleaner.

If it is my first house, do you have a specific area in San Bernardino that is with safe neighborhoods? 

You want to start your refinance about 45-60 days before loan expires just to be safe .

How can you afford NOT TO utilize this asset protection device?  

It sound like a good deal and very good idea.There are two ways to can get this done and safe money. 1.

However, it is important to ensure that the shower is safe and functional for your tenant.

I calculate their “safe/fire sale value” at $3.86 mil.

Hey mate,Sorry to hear about your troubles but it's not too uncommon.I've been in the turnkey biz for 10+ years now and have often been called the "bad guy" as we only sell to investors looking to purchase with cash.Many believe that because we only accept cash buyers, that we inflate the properties price which definitely isn't accurate.Quite on the contrary when looking back I feel that we under sold them lolWe can justify every one of our property prices with a CMA independent of our in-house sales.Whoever believes that financing a turnkey property makes it safe is wrong.Most turnkey providers or affiliates push the financing model (Even in today's high interest environment) to make more sales.They have "in-house" lenders or community banks that they establish relationships with and promise large volumes in loans.This in return get's rewarded with various favors and many are easily able to manipulate appraisals.Having flipped over a thousand properties, I know how easily an appraisal can be manipulated so for anything reading, "NO", financing a turnkey property doesn't necessarily make you purchase it for fair market value.To answer your question:When S#%@ hit's the fan like it did for you with this deal, I personally would always look to cut my losses and move on smarter and more experienced.Granted, over the years I have witnessed many investors buy 1-2 properties from my company and expect miracles only to get disappointed. 

I really see Columbus Ohio as an extremely safe bet for the next 10-20 years.

My question is whether I need to trust my analysis and agent to find a deal and wait for a BRRRR so I can scale quicker, or play it safe and crank out another house hack in May.