There's so much bad info and just poorly informed opinions on the quality of skip trace services it can be difficult for someone to know what's legit and what isn't.   

Her D-to-I is high due to the purchase of our primary home and with us starting to supplement her W2 income with 1099 income.

Asset depletion/utilization loans with no income docs for primary are going to carry a higher rate like @Erik Estrada mentioned, but this seems really high.

I want to purchase a good quality car, near new (not brand new), so that I do not have to worry about buying another one for at least the duration of time I plan on aggressively investing to achieve about 12k a month in cash flow, over the next 12 years.

How are the property taxes in Nevada; fair, high or low? 

There are DSCR based seconds available for investment properties, however the rate and fees are high. 

Do like any wholesaler and market to high equity properites in you "buy box".

The price seemed reasonable but apparently it is too high.

The exercise of tracking it regularly helps to keep it top of mind and it also allows me to see how my plans are working compared to my goals and if I need to make adjustments (I agree with @Chris Clothier that you've got a keep a long-term perspective because real estate investing, like life in general, is a marathon not a sprint).Great question, Allan!

Not to mention the paperwork pain involved with each claim Any thoughts on just not having any insurance at all, or just some sort of liability and really high deductible ?