., seller sues for damages for your failure to close and property value has declinedEnvironmental claims such as "Toxic mold"Loan defaults because you walk away from a bad propertyTenants hurt while working on the property for reduced rentWrongful eviction or discriminationProperty vacant for more than 30 days while doing rehab and someone is injuredAnimal damage to propertyZero bite rule because of "attack" dogThese are just some of the situations I have dealt with regarding clients who were not covered.

Federal Tax liens, toxic waste dumps, hazardous materials onsite.

No federal disclosures from a landlord whose job is to combat environmental concerns and toxic hazards.

I also have just enough of a hippy streak to know that we are killing our planet, and I don't want to contribute to that any more than I have to. 

To keep the population dependent on gas, coal, oil and polluting our planet for mega profits.You want something much more serious to whine and complain about?

but, most mold are non-toxic?

Very little mold is actually toxic to most people, but there has been enough sensationalization of the topic that the public now thinks every mildewy shower is going to kill them. 

But the fact is if I was ever going to give someone advice about where to invest, the last place on the planet I would tell them to invest would be chicago. 

Assuming 40 years give or take left on my time on the planet ... $10k/month x12 x40 = $4,800,000(Which isn't guaranteed because if I die next year it's only $120,000 )Present value of $4.8MM at 40 years what interest rate gets you to $1MM = ~3.92%.

All the stars and planets have to align for it to work.