Im making 85k on w2, $1,600/mo. mortgage, no car payments, no credit card debt.

Tell them it's mandatory.Make sure you are named as additional insured to protect your interests but also if they let the policy lapse you will get a little post card in the mail from Lexus Nexus or a similar company saying the policy is lapsed or canceled.For those that allow pets - have them get a renters policy that does not have a dog bite or dog breed exclusion.

One hurricane, one downturn, one localized series of job losses, and the house of cards falls. 

I get the the post card route is way more efficient from a time perspective (although at twice the cost), but really wondering about response rates.   

The logo on your card makes no difference.

I fought with them for months and finally had to call my credit card and tell them it was fraud.

Social security number, and card makes sense.

Blah blah blah.I love the Podcasts (I listen everyday sometimes multiple podcasts everyday and covered a bunch during a recent rehab) but there are a lot of those stories and I'm wondering if this opportunities are simply not in the cards for those of us building a portfolio today.

Basically, if you owe say 10 credit cards and your minimum is $10 dollars pay the minimum on all the cards except for 1. 

It's a house of cards.