I am about to lose my car my place to live basically my life.

There's been a tremendous amount of new home construction in our area, even before Covid and the new houses have very small yards with no parking besides their 2-car garages.

Single family 4 beds, 2 baths, attached 2 car garage, Complete gut rehabbed.

a 2-car garage is a must-have for him, so it must be a townhouse or SF home. 

Their debts would include not just car payments, student loans, and credit card payments but also things like child support paid.

For example, I started investing in Buffalo (NY) a few years ago because I liked the stable population statistic along with the fact that a big chunk of the population is in the healthcare industry... along with major car manufacturers having plants or some sort of manufacturing factory there (Tesla, GM, etc.) 

Hello, I have a primary residence and about $10k in bad debt (not including car note, student loans and a small medical bill).

The rehab was complete, and we were ready to refinance when disaster struck—a car crashed into the property the week we were scheduled to refinance.

Otherwise it would be like giving your teenage kid a new car, which he crashes, and you just buy him another one without talking about responsibilty and consequences. 

For my car, I saved $200 a year on insurance by not getting coverage for my front windshield (which when I did have it replaced cost me...$200).