Then a soft kind message to not rile the lead. 

And there should never be a time when any kind of BULLYING is brushed off as "light." 

This seems to be falling into soft core political painfulness.

However, you have many soft expenses that need to be budgeted for.

If you want to brush up on PML, I suggest you check out my book Lend to Live: Earn Hassle-free, Passive Income in Real Estate with Private Money Lending available on the BiggerPockets book store.

You'll find tons of good info here, I recommend checking out a local meetup or two as they're super helpful to brush shoulders with other folks that have either done what you're doing or are asking the same type of questions. 

Someone comes in and uses lead roof materials, electrical conduits, a tank lining, soft solder, orparts from China all which have lead in remodeling after the certification...I know lead is dangerous for children.

We have a soft spot for Perdido.  

Essentially (broad brush strokes from a layman's understanding) what many people don't realize (and I didn't before 3ish years ago) is insurance companies have insurance against their own substantial losses; 'reinsurance'.

We figured the septic permit from the county would be sufficient - but turns out our foundation quote/budget was way too low due to soft soil.We're trying to figure out if we can get the land under another type of financial instrument and continue with the RV plans without putting a home on the property.