No one wants to waste their time.

Quote from @Carlyn Chism:I agree with Chris on a lender that might be a scam or make you may so much money interest because of the low credit score that you make $1.00 on the flip or no money.  

I like umbrella because there is no worry of being pierced for inadequate separation of finances, if sued you have a heavy weight in your corner who has all the consequences of a defeat, and because usually it is reasonably priced (mine today is not so reasonably priced but I believe it is mostly related to the risks of CA).I do understand that the probability of needing the umbrella policy is low.  

As cheap as a $400 pool may seem, I would think a cheap pool is better than no pool. 

Maybe they are offering financing because no traditional lender will lend on the building. 

@Heather Bailey while I live in my duplex, I have a standard Hazard insurance policy and I also carry an additional 500k umbrella policy (optional); both policies cover the entire building, but there's no separating it. 

These guru's pitch get rick quick with no money down, so people "want to be investors" but fail to start because they had unrealistic expectations from day 1.  

However, in some cities, getting work permits is difficult and slow so it can really hurt the investors' timeline through no fault of their own.

Quote from @Russell Brazil:  yep that does it, we lost our home in 99 in an f5 when I was younger,  no close calls recently in OKC though,  also seems like tornado alley has shifted a bit to the east but who knows.

No- I do not.