Not to be too harsh, but try to really understand what a catastrophe that car payment is.  

She had some other options that didn't require a 4 point, but they are for catastrophic type events. 

., I'm still gathering documents from the seller, so far it looks like it could come very close to break even (-$12.80/month) at 75% occupancy, assuming normal expenses and nothing catastrophic.

With the way it's going now, assuming no catastrophes, and debt paid down, I'll be 740+ by 7/1/2017.  

No sense scurrying around while they sit back and tell you no.What's important to me is high deductible, I almost never have claims unless their catastrophic (knock on wood) and a high Personal Liability (seems the difference between $1M and $5M is nothing to a jury but it could prove fatal to a high rollers empire, like yours:-)

It's NOT comparable, because every state is going to be different, as one state may have minimal natural catastrophes; whereas, another state may have floods, hurricanes, etc that are taken into consideration. 

I agree.The fact is for 99.999999999999% of us, the dollar could completely collapse, no longer be the reserve currency anywhere and as long as all of our commerce remained within this country we would not notice anything catastrophic other than the hyped up news media reporting the end of civilization and then wondering why civilization continued on.Nations rise and fall.

And no mistakes are going to be so catastrophic that you can't recover.I see a lot of people wanting to learn and study and go to meetings and prepare and be so ready and knowledgeable to tackle this industry.

A cheer for this catastrophes management.No one ask the collective world for help, no one take out BP from this scenario, no one consult lead academics.Which crime to our nature, incredible.

Some well-established investors who have a "wiggle room" can survive a catastrophe, but some people here are literally borrowing to invest in the housing market. those who I worry won't survive.