Good wording -- folks need to understand the value of insurance, gambling against themselves for their family's sake.

Again, I don't mean to be a jerk about it but it appears your broker asked every agent there to come onto this post and spam about OH. 

Looks like a nosedive over time vs a tumble--It's why stocks are a gamble (just like Roulette in Las Vegas).Real Estate holds it's value over time, and you can "fix it up"--you have some control over it.The US Government manipulates these stock prices, so maybe they just failed to pay off "The Correct" people or something (or maybe they did and it's way worse then we know).https://www.businessinsider.com/does-the-government-actually-manipulate-the-stock-market-2010-2

If I don't analyze a listing before I take it I'm essentially gambling and I'm not a gambler. 

But, they will want to know what caused the chapter 13 (job loss, medical debts, auto accident, etc - which are the most common or was it something like gambling debts (which isn't going to get you what you want).

If you figure out how to stop the spam you will win a Nobel Peace Prize. 

FUD - Fear Uncertainty DoubtAnd just because it's a Subject To, doesn't make it a dealI've actually seen some of the Subject To "deals" offered on the over hyped & spammed "community" (I'm glad they are having a great time) but they really are not deals and the risk far outweighs the value.

Where have you been seeing the most consistent deal flow thats not just your typical email lists that spam you with the same deals you see posted everywhere.

It's nearly impossible to get in the game unless you have a ton of capital and you're willing to accept lower returns (because so many investors and developers around there gamble with appreciation).Start studying other markets.

I like my investors to keep their investment, not gamble it all away. ;-)