Also it is a lot easier telling your investor, "whoops we got foreclosed on" than "we chose to accept nothing rather than ride it out."

They pay them for a ride by and research which the average citizen can do him or herself.

Rentals are the market, but I havent the time to ride out rentals.

i see why walking or riding bike could be advantageous because i have a big truck and hard to stop ion roads sometimes

Low leverage provides more cash flow and puts you in a position to be able to ride the rough patches out.

The land had horse stable and a riding ring.

Just don't, you're setting yourself up for failure and to be taken for a ride...

This might seem like a small sacrifice to us investors but she is riding my plan and dream.

But since it is relationship based (in my opinion), you can be creative and discuss 1yr terms and at the end of each year you two can decide to keep riding out the deal or decide the lender needs to be cashed out and you would need to refinance the deal (which would cash out that lender).  

Most notably, there are hail storms, areas prone to flash flooding and wild fires.