Medi-Cal and DHCS are FAR from detailed in their bookkeeping and what they can and cannot recover from a decedent's estate.  

It would take 80 months to recover the losses!

In this 75% refinance LTV, I also want to recover my initial investment. 

This negative position can consume years of cash flow to recover.

At the time is seemed like the best thing to do but when the market, banks and financing opened up years later and the real estate market started to recover these borrowers quickly realized the pre-pay they locked into, literally TRAPPED them from selling, cash out refi or just lowering the rate. 

The greater Chicagoland area expanded like crazy during the last boom and has not recovered price wise compared to saturated markets elsewhere.  

They are still recovering from the FL real estate downturn of 2008.

Would you want to have all payments/profits go towards recovering your down payment first?

The fire insurer is not entitled, as subrogee, to bring an action against the tenant to recover for amounts paid to the landlord for fire damage to rental premises caused by the tenant’s negligence in absence of express agreement between the landlord and tenant to the contrary.

@Puja Devi As others have said, you won’t recover lost rents.