@Michelle Montilla It depends on your comfort level with OPM.

So for me the takeaway is as long as your margin is comfortably high, the Smoky's can ride out any storm.

However I take comfort knowing rental vacancy rates across the country are at historic lows and inventory remains incredibly low, while immigration remains strong. 

I would feel more comfortable with it being my first deal.

If not, and I am comfortable with where the market is at I will put a lower offer to ease my mind.

Korea has been managing this virus for over 30 days, and seeing how Europe is managing...how US is managing..I don't feel comfortable.

We live so comfortably and any comparable house I buy will most likely result in my mortgage payment being higher.

Hi James,Did a quick Google search and found this pretty thorough article on the subject:https://www.certifiedps.com/cps-blog/why-should-i-list-my-property-manager-as-an-additional-insuredIf you don't feel comfortable with it then you can always speak with other property management companies in the area to see if they require this as well. 

I wouldn't feel comfortable taking on more debt right now until we know more about how difficult things will get, and lenders will likely make it harder for investors, anyway, like they did in 2008.   

I'm not necessarily new to real estate but much more comfortable networking in person than on the internet.