Due to storms we often have shingles blow off and have to fix them, easy peasy...

#2)  20% on winning bid blows my mind.  

So you buy a nice looking faucet set  for the upstairs bathroom , I have my plumber install it and overnight the cartridge blows out and floods the house . 

One lender hit one of my clients that I was doing a JV with... for 800 dollar property tax monitoring fee.. really on a 12 month loan.. but what happens is borrowers just focus on the points with no clue to the junk fee's  or using brokers who add fee's and points on top of the actual lenders fee's again bait and switch.Did your client pay the fee or did he blow the closing? 

But if kept on me, contacted a second time saying really serious and pitched, it would make me think, and I'd blow em off again. 

Too many new investors blindly copy due diligence checklists from the internet, assign equal importance to each item and blow up deals over nothing.

yes if you like blowing your money.

Obviously if credit markets blow up and we already have companies firing and expressing concerns in the economy we are likely to see more firings. 

Also syndicators massaging debt to make deals pencil to entice LP investment and are now struggling with existing deals blowing up.

Everything you stated was completely blowing off any notion of over-leveraging.