Does Dave Ramsey think the vast majority of investors buy big time apartments, industrial buildings, senior housing etc with all cash? 

Unfortunately, Boise had record snowfall in Jan 2017 so the yard was covered in a couple feet of snow, and this included the storm cellar doors which led to the crawl space below the house.

But what you have to understand is the vast majority of people don't approach college with this level of attention, planning, and engagement.

The next recession will be nothing like 2008, it will have different causes, impact different parts of the economy in vastly different ways.

Normally when he says something everyone listens because of his vast experience.

It is vastly different than what you get when you rent out a $200k house in Canton, but it can offer an equal or even greater return depending on the deal.

So long as you don't formally represent someone or informally suggest that you're looking out for their interests, such that they may think you're representing them, you'll avoid the vast majority of conflict issues.

Hopefully this has brought you full circle to understand the reason the advice provided by @Tim Wieneke is most sound.The vast majority of us on BP are not attorneys, we don't live in your village, don't know how things work there, don't know the judge and/or any relationship s/he may have with the attorney.