Think: a good used car price for the braces....do a few hundred of those a year and you see the best investment right now is in Kolten (I would not even play any reckless sports where the deca-million dollar hands could get injured)Your future earnings are where the big bucks are at in my view... 

Cannot agree with this reckless advice 

we know the reason why I have been buying and selling property for 40 plus years.. all I am saying is that sometimes we buy it without title insurance and that does not make us reckless investors... but for average JOE for sure they need it..

I must get to my ARV much faster without being reckless.

I'm just curious, not reckless

You've done paralysis by analysis, and you've done something reckless that didn't cost you a dime (if they accept your offer, you are allowed to analyze at that point :P ). 

I'm not saying you should act recklessly and go ruin your life through a few bad decisions. 

As an agent TBH it would be pretty reckless not to carry this type of coverage.

At the same time, this isn't an invitation to be reckless. $78,000 is a considerable amount of debt.

Overoptimistic (reckless) use of financing with unmatched tenors or high rates is conducive to ruin.So when investing in very high risk real estate, or low cost real estate where it is not possible to get an low mortgage rate, it can make sense to go cash only.