Spear's comments about required capital improvements as they relate to rent increases and a captive audience/ trailer trash mentality. 

However, after their "exhaustive" search of thousands of lenders they partner with, they were only able to offer me one loan. 

There is a certain entitlement mentality and a long-term frustration mindset where they often times will mention repairs previous owners "promised" to make, etc. 

That is a mental state you can't just pretend.

It’s mentally tasking, which is my biggest battle now.

I’m a complete rookie and novice in real estate investing, and I firmly believe in the “crawl before you walk or run” mentality.

Pro tip--make sure your exhaust fan in the bathroom is vented to the atmosphere--meaning out to the outside.....go out the roof or out the side of the unit or secured to an opening in a soffit vent grille off the house. 

Typically, homeowners who lost everything are going to be in shock and not going to be in that mental headspace right away.

So at this point given the large amount of income that the wealth management company kicks off, this very nice profit from the real estate portfolio is looking less and less attractive every year especially considering the time and mental real estate it takes up for her and the tax consequences.

Once your primary liability insurance is exhausted, your 3M umbrella would kick in.