I also have high risk tolerance, though I'm open to learning from anyone here (including those who would strongly advise against this).Thank you for your time!

I have zero tolerance for this.

Since each insurance company has it's own level of risk tolerance, there is no guarantee that your current company won't cancel you for something you find.

Personally I can tolerate having my political opinions challenged if it means getting information I wouldn’t normally have.

Also, remember you're not likely to get Zero rent, but perhaps reduced rent/partial payments, etc, and hopefully you already have security deposits from tenants.       2) Earning .1% vs 0% is basically insignificant to me (my opinion) and I would rather have it totally liquid in the checking account or similar.     3) Everyone's goals are different, but if you are planning to continue to invest and reinvest, then 4.5% is cheap money and you should be using your cash (beyond reserves that you are comfortable with) and margin money if it's that cheap to seek the higher returns based on your risk tolerance.       4) If, you are truly NOT concerned with cashflow issues/vacancies, etc and your #1 priority is to save/reduce every dollar of interest expense, then yes, use the cash to paydown any and all debt that incurs interest. 

I admit that my risk tolerance is not high ( story of my husband's life lol). 

Maybe "Developer Tolerant" would of been a better term.

How much so depends on what your area might average and what you are willing to tolerate given your goals and the risk involved.

Know your numbers, know your risk tolerance, don't fall into the analysis paralysis trap and be ready to execute when you find something that works!

@Mark Sarte Hey Mark, it really depends on a number of factors i.e. your risk tolerance, what type of returns/cash flow you're wanting and how much capital you plan on deploying, etc.