Remember you're hear to make money, not run and hide once you reach the next "growing pain/speed bump."

I have nothing to hide or fear from my tenants than from any other persons.

Once it's scratched, you have 3 options. 1) Leave it alone. 2) Use wood putty/color marker to hide the scratch, which the success rate is about 50/50. 3) Replace the scratched board with the leftover boards from the original install.

I just do not like stocks as much because you can look at the reporting of the company and research them but never know truly what they are hiding if anything.With real estate I know what I have good or bad. 

But I think that smaller cities like the one I live in can hide some opportunities for rental properties. 

You can either "man up" and spend $250 per day to receive long term care which will dissolve your nest egg in 5 years, which will then leave you on social assistance, or you can spend around 12k to shield it (hide it) and protect your nest egg.I anticipate most would shield their assets despite prideful talk to the contrary.

With no assets to speak of, it's hard to determine how things will play out.Also, whether DM has assets or not is questionable, as there are many ways to hide assets in the real estate business.

There is a local guru in my area that all of you probably know who I know very well and I can't look at him with a straight face and hide the expression of "What the heck are you doing to these people?"

For all you know, they've got a good history for the past few years and wouldn't lose any risk.Or you can just dismiss them and go to the next applicant that may be hiding their past......

This isn't the time to play hide and seek.3) You're not shouldering your share of the tax burden even though you have the capacity to do so right now, and your fellow tax payers would like you to take care of this rather than expect us to keep the Govt running while you pump up your personal savings and investing.