From Detroit, east of the city    very little experience , no friends, can't remember much (brain tumor) low -no money, new born baby my motivation, no one on my team (not a single soul just me as of now) , looking to make profits from real estate that could change my life with my wife and daughter 

It may sound bad, but it's similar to a parent/child relationship.  

They can give you average water usage per adult or child in the aggregate and what that means for cost.  

Our goal is to walk away with a $100k profit or more to put down on a larger home since we have our 5th child on the way.

I used to travel to SLO quite a bit when I was a child (I grew up in the Central Valley); what a great area.  

I am a new born when It comes to REI.

We have one child going into college and one a junior in high school.

Other tenant has a small child who were all woken to cops searching and 3 hours of yelling fighting and arguing.

The rule of thumb is to match your net worth with liability coverage, but even if your net worth is lower now than it will be someday, you can be sued and future earnings can be taken--portion of your paycheck for the next 10 years...etc very similar to alimony or child-support. 

I just found out that (her children's father) relocated to Las Vegas and he doesn't pay child support.