Substitution of collateral - This one I did myself.

but there is just no substitute to being in person and hands on.  

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IMHO asset protection planning is best implemented as an adjunct to a larger estate, financial or tax plan, not as a substitute.

I've done extensive research and familiarized myself with the basics, I believe there's no substitute for real-world experience and practical advice. 

A real estate agent should never be substituted as a financial or investment advisor.

there is no substitute for being hands-on. 

An exercise for you is to change this phrase "...knowing that my real concern is their inability to pay the rent due to maternity leave" and substitute "maternity leave" with "being X" where X is another protected class based on race, gender, ethnicity, etc.

There are some fantastic online resources but no substitute for boots on the ground.

Per each case I have dealt with thus far.I understand you may disagree with some of my points - but understand - they are not opinions - they are reports of what we have actually done in case after case after case.I agree 100% with you -- if you do these, you either need to be very experienced or close them with the right people who can substitute for that required experience and keep you safe.We close at least 50 of these every month across Texas -- and we close them legally and as risk free as possible.