Russel, while I don’t always agree with you, I respect your opinions and your contributions to BP.  

If you don't have an agent...well...nothing is a problem until it's a problem but our advice and opinions are meaningless if you actually need to use your insurance.It's vitally important that you understand exactly what you have before you need it. 

Here's how I do my due diligence:1) Portfolio matching: (takes 30 seconds per deal)a) Have an educated opinion on where I think we are in the real estate cycles (financial and physical market cycles)b) Then and only then do I pick the strategies, capital stack, and specialized asset subclasses that make sense for that opinion.

In my opinion, these do not seem to be serious but I am not seeing all the areas.

My agent said no but I want to get a second opinion.

Answering those questions always comes back to a single question in my opinion: What's the end goal? 

This is the best way to get into home ownership and real estate investing in my opinion.

Here’s our OPINION for the Metro Detroit market (use as a template for your target area!)

Here’s our OPINION for the Metro Detroit market (use as a template for your target area!)

The “moderate size” question is pure opinion.