Typically there is other verbiage included in the hold harmless clause:"other than as a result of willful misconduct, recklessness or sole negligence of Agent.""

Provide duplicate keys to the handyman as needed, but NOT the master (your) key.You do need to be careful to not expose yourself to undue liability by being reckless with the master key.

Yes it was reckless, but I have, unfortunately, heard of much worse.

However, I am not willing to be reckless, and will consider my options carefully.Again, thank you for your comments.

So it wasn't frivolous reckless spending that got me to this point.

Relying on free online advice for a $400k+ profit transaction is reckless.

But this thread, along with consulting with trusted advisors, made me realize how reckless going under contract with a property that is only 50% completed with its renovations would have been, despite what my ex-realtor was telling me. 

Reckless to advise someone to commit a crime. http://www.area-ga.com/hud_for...   

I wouldn't bank on it happening in the near-near future but I'm fairly confident that down the road we'll have another bizarre incident like Covid or a 2008-style recession and our geniuses at the Fed will happily drop rates back to zero and keep them there way too long again in a similar reckless fashion.Personally, I just hope my portfolio is large enough at that point that I can refinance the whole thing back into the 2-3% and be set for life.  

It's real, but yes, you do need to know what you are doing.Plenty of people teach it recklessly, either because they don't actually understand what's involved or because it's much simpler to get people to pay for training, if you DON'T fully disclose the downside.