For this reason, many investor agents choose them. 

I always get a kick out of people who say they would never do this or that and when you start quizzing them, they've actually never done anything. 

Reason given is to file claim with Renters insurance.

Throughout the year I come across situations where people need to sell there home due to a variety or reasons, job loss, income loss, health, divorce, etc.

A lot of training actually.

I have been investing mainly in trust deeds but like you got connected with Dave and just recently ended up investing in his fund, my primary reason was for diversification and because it is passive. 

What would you consider the reason for your success?

It is written in our contract that we can make these decisions without the owner's permission for these exact reasons.

That's a terrible reason to do anything. 

The simple reason is that you cannot even tell debit cards from credit cards without a special software.