Post your real numbers if you're comfortable and let us see in writing how much taxes and 10% penalty will be. 

Maybe you can present a public image of yourself that regular folks can get comfortable with?  

Once you have a level of reserves you’re comfortable with, then look at how the car payments affect your ability to further leverage rentals (assuming that’s what you want to do).  

Offer amounts would have mean very comfortable living in Detroit, yes.

I like comfort and for me that comfort is my home.

Travel or dining rewards aren’t needed. 

Many times when people are looking for partners it is very important to offer that protection for people to feel comfortable attaching themselves to other people for a deal.

It will increase the perceived value and the appeal of the building to a new owner...it is nice to know there are new pipes, so it might make them more comfortable buying your building.... but because it is an unseen it will not exactly increase the actual value nearly as much as something like a new roof that they know there is a limited lifetime on,  and much less than a new kitchen would increase.Most owners never consider the fact that they will ever have to replace all the pipes so in their mind you are not saving them any money and certainly not making them any money....so it doesn't change the math.

I purchased most when interest rates were at their lowest (2014-2017) I am comfortable with all of what my portfolio brings in.  

I'm never comfortable depending on insurance alone, as I know they are in the business of collecting premiums and denying claims.