People like that are rarely dirt bags who destroy things on purpose or run off on their responsibilities, and I would be willing to bet that she would have taken care of the damages if you had discussed it with her first.At any rate, you've burned that bridge.

Any non-zero chance of destroying our family is not acceptable.It wasn’t my original intent to give them this money yet.

the wrap is not were i beleive the farud would be it on the insurance side if you do not disclose to the mortgage company that you sold it can you imagine the proplems if the house was destroyed who picks up the pieces when the insurance does not cover everthing

Former homeowners with good incomes but their credit was destroyed so they stuck around for 4-5 years until they could buy again.

The bank will have nothing of value to collect in some cases except a home that is destroyed.

Think about it, those are the 2 things that can absolutely destroy your home (flood or fire)   it's worth doing it before a problem occurs!

Does that mean some bad reviews will destroy your opportunities?

No reason you should limit yourself to totally destroyed houses.

house would have to be destroyed with a high likelihood in the next 10-20 years for that equation to make sense for me.

Payroll taxes seem like that would destroy cash flow as soon as the company got very big.