As a consumer you can choose not to deal with them.

Doing it early and doing it often, will allow advertising low vacancies rates and lower their expenses because finding new tenants is too much time consuming. 

For the past two years, since beginning this journey, I have consumed every podcast and been absorbed in the forums; I’ve saved nearly every dollar I can and put that towards real estate deals; I’ve pushed my contractor hard, paid him well, but pushed him hard; run my business determined; thought about real estate every day; creatively strategized my next move daily; put relationships on the backburner; and paid myself first.

And any other consumer debt.2.

Some of this might be stronger Consumer Policies in more Consumer friendly states.

I’m new to the REI world and I’m consuming as much info as I can day by day..however I’ve always wondered if getting my license is necessary for investing.

Those are good loans because they have the lowest rates, are 30 year fixed loans, etc. and that's the loan that big banks like that will have available to the average consumer. 

Lastly, any good agent should be happy to answer coverage questions both before, during and after a claim so that you are an informed consumer and can have the peace of mind that insurance products are intended to provide.

As I said, it's a great spreadsheet, but it seems like it would be quite time-consuming.

Sometimes it can be very time-consuming for us to do the things that we are not naturally good at.