Unfortunately, I don't work with or know anyone who invests in real estate (at least not anyone whom I would consider an expert or mentor).I love to learn, so I will continue absorbing everything I can on biggerpockets and hopefully find other helpful resources/people along the way. 

One is offering 70/30 LTV fixed for 30 years, another is offering 75/25 fixed, but one suggested I consider an 80/20, with a 5 year ARM on the 80%, as "this will provide better cash flow in the short term".

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

What would you consider an acceptable deal given there's no warranty? 

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

I'm asking, because I'm interested in hearing people's views on what they would, and what they would not consider an "adequate" cashflow situation, given relevant factors.Another way of framing the question could be:  what is your current cashflow situation, in the context of the other relevant factors, and do you feel that your cashflow is "adequate" for you?

This was a property that was going to be put on the market in the future, but another agent and I spoke to see if the owner would consider an offer before going live.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

However, community associations in the more litigious states/areas should at least consider an umbrella policy that provides another $1M-$5M in coverage to protect the community and it's members.