I would need insurance to fully cover any accidents.

Highlighted because early terminations or limits on CAM charges can be really unexpected. a 19 year and a 20 year lease do not represent the same value.

I suppose, in an area, you could run through mortality tables, accident stats, divorce stats, arrest stats, law suits by population, etc. but really, it's not worth the brain damage.

These fun potential surprises can come up unexpectedly in the thousands of dollar range or more, depending.

then you might be in for some unexpected surprises if one of the partners screws up.

I hate it passionately to the point I wonder if getting in a car accident on the way to work is a good thing.I just lost out on the first property I felt comfortable with, but I'll get another.

Just like when a car accident happens, you can file a law suit without a lawyer but if you have a lawyer you would have a better chance at winning. 

We've lost tenants mostly to family issues (unexpected new baby, breakups, etc.).

However, I would explain this nicely to the tenants during the introduction to let them know so that the notice would not be unexpected and they know what will happen if they pay late.Technique I've used with previous tenants is that I made myself as just a messenger from the owner, which makes me not really the same thing as owner since i'm just a lowly servant.

From what I understand, most DWI accidents are caused by high BAC, often repeat offenders who are still driving even after their license has been revoked.