So if they have $10 million, while they could invest in the stock market at 12% (which, correct me someone if I’m wrong, but pretty sure they are not allowed to make that type of investment with deposits).

I could be wrong, but he's in the market I play in every day.  

What happens in these misunderstandings is that something goes wrong either in the sale or after, and then they sue you for some statement you made that they “misunderstood”.

If you are looking to upgrade the quality of the property or the location is in transition S8 is the wrong direction.It comes down to your assessment of the quality of the property now and in the future.

And I need to figure out what am I doing wrong.  

You buy wrong... nothing you can do to turn that around.

You don't want to have it done wrong and have to start all over again from the beginning.

@Daniel MendezTagged wrong person in prior post.

Also open any advice on how much $ I should have saved for each property in case anything goes wrong; should I hold off on purchasing altogether?

Technically, other members please correct me if I'm wrong, the bank is able to pull the loan if it is switched to an LLC but in my lawyers 20+ years of experience he has never seen a bank search for this once the loan is originated.