- City government health. Is

I don't know the specifics of your situation, but it sounds as if you have had some adversity to overcome in terms of your own health.  I

Seems like they might have a healthy reserve.

I believe they have happened in the past making it possible that it will happen again.Each to their own but once expenses roll in, vacancies happen or a eviction results in extensive property damage the glow will be gone and it will be too late.

If you plan on living off your rental properties you need to have a very healthy cash balance somewhere or easy access to liquidity.

Now if you have a business that has considerable amounts of cash flow and healthy bank account, the business can purchase the property. 

With a prenup or else, only in good times, only when you're healthy and beautiful?

Hope you are safe and healthy.

Thank you in advance again and stay healthy/well!

The bank will rely on the appraisers more than they will your pro-forma, so you may as well know what the appraisers think.You sound like you have a healthy skepticism for this particular deal, and are more interested in the education it can provide.