I don't know how much of their personalities were real now, maybe they were just THAT good at screwing people out of their hard earned $ and justify it by giving them valuable information so they can sleep at night It's rather peculiar.

Always subject to things going wrong, but somehow if I draw the detail and am on site supervising, I think I'll sleep better at night. 

However nothing beats sleeping well at night knowing that there is available cash in the bank.My goal is to purchase a personal residence like an investor.

Of course she'd divorce me if not kill me in my sleep but it's so tempting to "borrow" some of it.

I know how it is to not have debt- frees up a lot of possibilities and you sleep better.

If things go bad you will be glad you spent the money and either way it should make sleeping at night better. 

@Will Dean I buy mostly older properties and do fairly substantial rehab at purchase, I budget 10% R&M and sleep just fine at night with that number.

Keep in mind that there are going to be a lot negative people that are going to be intimidated by your decision to do something beyond the standard [eat, sleep, work, repeat] cycle.

After sleeping on it I'm considering buying it, making minor lipstick improvements then listing on the MLS.

The more layers of protection, the safer you are although it certainly comes at a cost for each but how much is it worth to sleep at night!