In general, you are looking for habits, Good ones, and Bad ones, in all areas of their lives.

I don't do direct sales, but work in marketing for a company that sells through independent brokers.The last couple years have gotten really beaten up in the habitational markets.

Your client has been legitimately and severely harmed and there is a $1m primary policy and a $5m umbrella policy ready to pay.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

Your personal spending habits will determine if the number is 5 or 20.

On a serious note, if a partner-to-be has major consumer debt, it's definitely worth exploring what bad habits might be associated with it.

It's awesome if you make it a habit to record things as they happen, no matter what you use to do it.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

I think it will ultimately result in regulations that harm the industry...all because a few bad apples took advantage of the lack of oversight. 

What about buying that $35k house that needs $10k in repairs to make it habitable?