I want to be clear that these are good companies but often their hands are tied and since they don’t write a lot of commercial insurance policies they underwrite it hard and err on the side of caution meaning they often charge a lot to cover unexpected losses.

Why not diversify some of your investment funds into an asset class that is not tied to the volatility of the stock market?

The last thing you want is to see another property that meets your fancy, only to not have the cash to go for it because it's all tied up in one property.

Rezoning a parcel of land can take some time and tie up the project in red tape.

We have strong ties to military due to my husband's service and They have always been very nice guests and gracious.

Depending on the market, it's absolutely fine to have 5, 10, even more props in one place (though different neighborhoods are advised) but you certainly don't need to be tied down to one locale. 

This option would tie pretty much all my cash up for 6 months or so.

@Tyler Hardy Put yourself in her shoes.

RespectfullyRachelIf I were in your shoes - I would probably end up renting (which won't be a popular position here).

even though its BP blasphemy to have cash tied up.. its just too painful.