Simply put the risk of a non-renewal costs more.

But, yes, it sounds like simply looking at your numbers and determining whether or not you can absorb a salary is the time to consider it. 

Example, buying a vacant lot from a neighbor and simply explaining that someone else will be on the contract in a few days is not easy.

They have literally help me change my life around from a direction that lead down a rabbit hole towards a life to live in peace and prosperity.

You could simply let them know that your schedule is busy and they need to schedule a time with you in advance. 

That means there is not really an effect on the debt to income ratio neither positive (income) or negative (loss) but rather simply making that payment  non issue. 

Most amounts are too small for the hassle, and again, that becomes litigation, not simply an audit.Creative finance buyers, I do not believe it's a winning argument to the IRS to say that you bought the property, didn't make the payments and you took the write offs anyway.

Sometimes emails go to spam and simply some people just don't check their email religiously like the rest of us.

Simply start by introducing yourself and why you’re interested in the business.

I'm not sure why not - one of the great parts about real estate investing is that you can build a team around you for aspects you aren't as strong at or simply want to delegate to someone/expert and do the others yourself - look up "Core 4" for example - where you can have an agent, lender, manager, contractor all at once for your investments and can theoretically just let them do all the interactive work