@John Horner The insurance you carry will be the first line of defense in a law suit, that is one of the reason you carry it.

In court they used the fact that I had evicted a black man and rented to a white woman as de-facto proof of my discriminatory actions.I countered with the defense that while I had no problem with renting to any color of person and would never favor one color over another - nothing in the law says that I have to rent to the annoying or the disagreeable ******** of the world.

If a physical address is ever needed, you can use a UPS store or equivalent.Use liability insurance as the first line of lawsuit defense.

In most jurisdictions lack of services is not a defense on unpaid rent!

Since you left that out of your initial description i don't think you should get defensive about comments that show concern for your safety.

My automatic defense mechanism kicked in and I immediately said not interested.

And don't get defensive when someone points out a mistake.

Also, how "defensible" is the intent were we to be audited?

I'm very certain I've had more students or given instructions to more people than any private music teacher, I know that as my father was a music teacher when I was a kid.I think you just said those who have a gift for teaching others can do so much better with experience in the subject, that's what I was saying as well.Perhaps the flu has you down, get better, but what I said was not directed at you or anyone particularly, no need to be defensive, I left the door open by mentioning the subject matter to be taught.

Don't be defensive.