Or, a charging order may be granted.If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

My grandparents and father were in a similar situation being immigrants from Haiti.

In the end here is the risk. earthquake or tweeters destroy all my shiny boxes and I stay sitting in my cubicle until I prune up and the government says I am old enough to draw a check.

They probably have less earthquakes too. 

The CA Fair Plan covers basically FIRE type of a loss, more of a total loss, that is not flood or earthquake. 

It's like earthquakes in California.  

Complete gentrification.Lemon City - also known as Little Haiti  (the Design District is creeping up on it -) I just sold two fourplexes here within 24 hours of them being available for sale. 

Earthquakes: PR is surrounded by complex fault systems.

I think we were lucky with this property buying the worst house in a great neighborhood and remodeling very cost effectively, plus the market was good.Granted, if we had an earthquake tomorrow we'd be in deep doo doo but I think if you buy a cute cosmetic fixer you can afford on a 15-yr loan, work on the house yourself, live in it about 5 years until things turn around and turn it into a rental, and keep doing that a few times until you retire, you would do better than mutural funds.I am sure there are better strategies than mine but we have been able to grow a little nest egg because of real estate not because of mutual funds.

Unless an earthquake (figuratively speaking) rocks the economy I can't see home owners or investors (big and small) wanting or needing to sell properties.