I haven't done much digging since this is normally a show stopper.

It's normally the desire for immediate income that steers most investors towards bad investments because they are hyper focused on cash flow which is often portrayed differently in spreadsheets than in real life, and should be a consideration but not deciding factor.

No one  (aside from ideologues) seriously considers bitcoin a currency anymore, and there are secure ways to store your bitcoin using hardware wallets but it's tough to convince normal people to do it which I think will hamper it's adoption.

I would also consider scaling back major expenses like car payments, lavish shopping, etc.

What they are showing in that link is normal.

Normally, they negotiate with the company and advise you on the loss. 

However going into what is normally the slow season, I am concerned about occupancy. 

Investors made offers to other investors to be bought out at 75 cents on the dollar (pretty normal process in trust deed lending - either stay in the deal until the end - or get out now at a discount.)

And yeah, 15-20% was what I was normally seeing as far as an overrun which is where the contingency came from. 

In todays environment of back to historically normal interest rates and higher home values - now really is not a great time to buy.