These days too many people have too little coverage in case of a rebuild so you do want to make sure you understand the true cost of a total loss.

Yes the penalties are high, so if people think they might be selling when they renew their mortgage, they get an open rate mortgage that allows them to sell with less of a penalty than a closed rate mortgage. 

Your relative is not a tenant screening service and you should not accept tenant placements from people you know.

He asked a few people to send him money in Bitcoin.

It's so important to surround yourself with strong people (i learned that the hard waY...) 

That's not a guarantee - some of those people may be breaking the law too - but it gives you a good idea where to start. 

This is why so many people earn large sums of money quickly (lottery, sports, entertainment, etc.) and end up broke.Take Dave Ramsey's Financial Peace University.

On the flip side, if you've got a bunch of Section 8 tenants living in a building that's in a neighborhood where a lot of the tenant base has good jobs, high credit scores, and are generally reliable people, you've got the most risky tenants in that tenant base and that ain't what ya want.

Seems like a lot of people are recommended them here. 

I've been called to the carpet now on a DOS clause and its not as scary as people make it out to be.