As a general rule of thumb,If you are not willing to pay more than $2,500 out of pocket when you have a fire, then Replacement Cost will be the only option that can realistically deliver that result.If you are willing to pay 50% of any property claim, no matter the cost, you can consider ACV.

Weddings aren't cheap and I shouldn't have tried to deliver on promises too big to keep for my wife's dream wedding.While some see me to still be over leveraged, I believe that I am at a much better level now.

It's not bullet-proof, but it's as good as anything else.You can continue to hand-deliver documents to your accountant, but where does it end up?

We are both on the deed.I recently got divorced in December of 2018, and in the agreement it states:"Within five (5) days of the execution of this Agreement, Wife shall execute and deliver to Husband a Quit Claim Deed conveying her interest in the North Carolina Property to Husband.

@Thayer Hood Any astute investor will work with people they can trust to deliver good deals.

If you're leaving a job delivering Domino's pizza, spending 6 months finishing an MBA and going to work as a financial analyst somewhere else, I'd say get the loan now, but I might not say that if you bought the property for $200k and now it's worth $160 and the area is declining - then I might say just sell the place.

I listened to podcasts while delivering pizzas, read books in the break room, and then tried to meet with investors in my area after work.

Couple that with the "over deliver under achieve" concept of expecting a specific amount of rental increase and leveraging that by valuing it higher than what you expect is a great idea as well. 

Same message can be delivered different ways is what I am saying.

For example, when you have flooring, tile, cabinets delivered to the house, they are personal property.