I have a friend who is bankrupted, his 3 room appartment forfeit by bank.

and this one is taking him 1 1/2 year to complete, no disrespect either he has way to much cash sitting around and is using this to keep him occupied or he has a sick wish to become bankrupt.

Some go bankrupt.

Slip and falls, claims of LL negligence, code violations that lead to injury or death are issues that can bankrupt you if you hold a property in your personal name.

I went through a divorce that bankrupted me and left me with all the marital debt (nice combination).

Thats ok, i'm not bankrupt...yet.Honestly I just wish I could find the right buy instead.

Find other furniture salespeople, and when you do find the furniture guy who went bankrupt find out what he or she did wrong.I've always known people who weren't successful in the same endeavors that I've taken on, but I chose and still choose to this day to focus on the people that I know that ARE successful in the endeavors I am doing.

Anyone ever been in my situation who DIDN't sell & end up bankrupt?

Never include utilities in the rent, Your tenants will bankrupt you if they do not appreciate and respect the cost of utilities.

That's just another component that might help people answer my question personally.I just don't understand how, if you have a fixed-rate mortgage, and a market crash doesn't affect your rental cash-flow, would you go bankrupt?