When we have a tenant that checks 3 of 4 of the larger criteria boxes, or if they have a ding on their credit that is medically related or directly related to a divorce, we offer other options.

Do you expect your doctor to give you the same level of care even though they are earning less money from you?

Someone with 2X the rent as income with no other major obligations may have an easier time paying the rent than someone with 3X the rent as income with 4 credit cards, a new car, medical bills, etc. 

This may be particularly true for professionals such as doctors, lawyers, and business executives.

Then you are entitled to these discounts in Panama:Here is a summary of the benefits of the Panama retirement visa:One time Duty tax exemption for household goods up to a total of $10,000.Duty exemption for importing a new car every two years.50% off entertainment anywhere in the country (movies, concerts, sports)30% off bus, boat, and train fares25% off airline tickets ( originating in Panama - going anywhere)50% off hotel stays from Monday through Thursday30% off hotel stays from Friday through Sunday25% off at restaurants15% off at fast-food restaurants15% off hospital bills (if no insurance applies)10% off prescription medicines20% off medical consultations15% off dental and eye exams20% off professional and technical services50% reduction in closing costs for home loans25% discounts on utility bills15% off loans made in your name1% less on home mortgages for homes used for personal residenceA one-time exemption of duties (taxes) on the importation of household goods up to US$10,000 in total value.100% duty exemption on the importation or purchase of an automobile every 2 years.

It isn't a problem I've faced, so I don't relate.Have you tried "Private Money" say from a Doctor or Dentist or a successful businessman?

Even without a contract, he came out and looked at the property I was going to purchase to give all kinds of advice on do's and do not's of a reno.Temple is a big medical market, Scott and White Hospitals.

Your commercial risks might be intellectual property, fiduciary responsibility, failure to perform (on a JV deal), buying a Homepath during owner occupancy period, etc.The GC license (like passing the bar exam or going to medical school) makes you more of an expert so you should really want specific coverage and layers of coverage even if it costs more.Your umbrella won't help the business in these cases.

OK, it makes sense that the company would do whatever they could to exclude "pre-existing conditions," to use a medical insurance term.I am inclined not to believe the agent's interpretation of how the home warranty works, and instead try to negotiate for closing costs.

The limit of coverage reflects the estimated cost to rebuild your home if it is destroyed by a covered event.)Home Protector (This endorsement will provide additional coverage if the amount of a covered loss exceeds your Dwelling coverage limit because of increased building costs, building code changes, inflationary effects from material shortages or additional debris removal expenses.)Personal BelongingsOther StructuresLoss of Rental IncomePersonal Liability Medical Payments to Others Should I add-on these coverages:Water Backup or Sump Pump Overflow (This provides coverage for non-flood-related water back-ups through sewer lines and drains, and overflow from sump pumps (machines used to remove water from the foundation or basement of a home).)Slab or Foundation (This provides up to $15,000 for damage to the slab or foundation of your home if the damage is caused by accidental discharge or leakage of water or steam (including constant or repeated seepage) from within a plumbing system or household appliance.