The product isn't quite as comprehensive as Proper but it is significantly cheaper and I feel comfortable self-insuring the gaps with our own emergency funds and relying on AirBNB & VRBO claims.

And after you have sent 15k on downpayment and closing costs, you have 10k left, which is just enough for one HVAC emergency replacement and some paint. 

Consequently, your financial stability hinges on the emergence of new companies generating equivalent employment opportunities.Sufficient to Replace Your Current IncomeA single property is unlikely to generate enough rental income to replace your current income, so you'll need multiple properties.

In short, I can afford the additional $1100/mo cost of a second house, even until I rent it out.I have around $35K in HYSA and emergency funds that I could use for a down payment, but that's less than 20% which would be required for a conventional loan, assuming full purchase price.

If times get financially difficult will people stop eating or will they stop going to the doctor (unless its an emergency)?

Navigating these delays and organizational instability proved to be immensely challenging.In my own investigation, I discovered that Farraway SG emerged as the new entity managing the loans, with its LLC tracing back to Tel Aviv.

Then keep $30,000 in reserves in a hysa for emergencies.

You'll want to identify what locations interest you most (likely by zip code).Things like population trends, price to rent ratios, median income trends, school rankings, employment trends and crime trends can all the evaluated by zip code.All the locations mentioned have emerging markets.

Apart from the above contacts, I ask for an emergency contact.

Airbnb.org, the nonprofit arm of airbnb.com, offers hosts options to assist with emergency housing in times of crisis, such as the 2025 Los Angeles wildfires.