What you are suggesting above strikes me as an audit flag from the IRS.Good Luck!

The idea of point-and-click investing doesn't strike me as the best approach. 

I feel the pension an medical benefits allow me to take more risks with real estate and provide me with a back stop if catastrophe would strike.

but it's among the most challenging to get correct in the space, and 99 out of 100 people choose a yellow that's just too vibrant, especially when sunlight starts to strike the color and reflect it around the room. 

No one can know when a natural disaster will strike, we do have the option of transferring the risk to other parties via insurance. 

A powered deadbolt will not lock if the strike is misaligned.  

However, it may take longer to save up the necessary funds, delaying your entry into the real estate market.Ultimately, the key is to strike a balance between risk and reward that aligns with your goals and financial situation.

And Joe (on the surface) strikes me as a regular guy and approachable.

Those people know very little and will buy anything that strikes their fancy.

A year is good to keep turnover costs in check,  month to month from the start and your turnover costs could be rather high, and any longer that a year contract and you could be locking in a contractual migraine.