Ryan, I believe the cat issue has been adequately addressed in the previous posts.I am not sure how much of a "foreclosure" issue you are facing because you did not refer to that being a problem in your initial post.

I’m not a CPA or financial planner and don’t make a dime off this, but obviously you have to have an emergency fund, adequate insurance to protect your loved ones, money to live off of now (well I hope), and then money to invest for retirement.Your issue seems to be with the priority of these funds, and perhaps making all the ends meet, not whether tax deferred/free retirement investing makes sense or not.

As knowledgable and savvy investors, we do everything we can to keep it under 50%.One of the points I was making was your comment about 6% not being an adequate return.

It is quite possible you didn't keep adequate records or didn't know to deduct these.

All the SIP panels and metal roofing had to be replaced at a cost of approximately $45,000.2) To reduce moisture entering roof panels, use the spray foam the panel provider provides with the SIP package BUT ALSO use permanently flexible tape to cover any joints between panels.3) Make sure there is an adequate drainage plane behind the siding.

On the purchase side adequate reserves and repairs are not counted for.

Adequate compensation for services rendered to a S-Corp is a hot-button issue with the IRS.

- Do you have adequate financing?

This is less of a liability or asset protection issue for us and I agree that the first best line of defense is to carry adequate insurance.

Contract templates very rarely adequately protect an individuals interests in a particular case.