I choose a conservative stock-bond mix so that a Wall Street downturn doesn't burn me too much when I need the money.I also keep about $2K in cash to handle unexpected repairs, but I'm uncomfortable having much more napping in the bank. 

This often is a much cheaper and easier option than trying to find insurance for rental paymentsWe are also now allowed to use bond payments to cover rental income in arrears if the tenant is evicted and behind. 

Also by using a PM all my contractors are licensed and bonded.

The popular thinking seems to be on BP that operators obtain non-recourse loans, that can give a much stronger case for the loan to be a bond.

This aspect, of retained servicing, usually has a borrower thinking they are "paying the bank back" when in fact the loan may have been sold, securitized with other mortgages to back the bonds sold that generate the funds to complete the cycle.

Just put the money gradually into the 90%SPY/10%Bond portfolio 2/ Put money into RE. 

Her collateral is known to her, she knows more about that property than she does about any municipal bond. 5.

You just have to contribute $20 or so to some charity to join..Banks are itching to get higher-yielding assets than the paltry returns they're getting in MBS and bonds, so I'm sure you can find someone if your credit and CF situation is good/decent.

Some things will have to loosen up if the area wants the market to strengthen.

I'm not a lawyer and my legalese isn't all that good, but here's what I see: NRS 118A.242 Security: Limitation on amount or value; surety bond in lieu of security; duties and liability of landlord; damages; disputing itemized accounting of security; prohibited provisions. ... 6.