In other words, if there was a broken leg on your property that resulted in $250,000 in medical, lost wages, and pain & suffering, if there was gross negligence on your part, the total judgement could be $1.25 million, and worse, your insurance company could deny it.So what constitutes gross negligence? 

I'm older and need to build up my financial security knowing that I have a lot of future medical bills that are coming my way(multiple sclerosis).I look forward to chatting with you.

He's just like "I make $300K per year from my medical profession job, I'm going to make my life simple and aggressively pay down the mortgage, then do it one more time on another property, and that's it - early retirement." 

Credit scores are tricky because there could be items like medical debt or student loan debt that weighs the score down. 

OP Lincoln is a great town since it is the state capitol, lots of government income, home of UNL, lots of medical etc.  

You are one car breakdown or medical bill away from paying rent since you don't have an emergency savings.  

The trick is asking them what happened, usually it is for medical which I get. 

My main concern on the outer islands is medical and infrastructure.

Whether the property manager charges to file the eviction (we do not) is a separate issue- a professional management company should file the eviction for you.Regarding the arrears rent, again, a professional manager should be letting you know that the renter has fallen behind and why (did they have a medical emergency? 

I know Indian harbor beach really well, used to visit often.