I always supply them with different failure calcs.  

Failure to inform your lender and insurance could lead to complications, including potential policy voiding or loan default.

You a restaurant saying how dare a customer expect there food WITHOUT hair in it, a mechanic saying how dare the customer expect the auto to be fixed when it leaves, a pilot saying how dare the passengers expect you to "fly sober"....  

Because to me if I have to do that, I may as well give up on all this altogether as a failure and go back and sit in an office cube until death, lol.

We categorize the problems into two groups:Deal Killers (or Deep Discounts): These include complete system failures, such as needing a new well or septic system, which significantly impact the bottom line.Deal Modifiers (or Small Repairs): These are minor repairs like hydrojetting the drain field, installing a new riser, repairing baffles, or replacing pumps/tanks, which can leverage a lower offer.Step 3: Making the Final OfferWe make our final offer only after a full system evaluation with remedies.

I would want a minimum of 8 months reserves and also mechanical reserves of at least $2,500/unit (this covers plumbing, electrical, and HVAC issues)QUESTION #15: HOW LONG WILL MY MONEY BE TIED UP?

I also always include an automatic release mechanism in the addendum if XYZ doesn't happen by a certain date.  

Failure is not an event.

We have her money in a high interest account making almost 5 %, but with the recent string of bank failures, were thinking it's better to go ahead and get that into property instead.

It looks like you are buying someone else's failure.