Then they'll make your life difficult.

These are typically not ordinary, honest citizens that just happened to fall on hard times and they may decide to make everyone's life miserable on the way out the door.Bottom line: proceed with great caution.

The person that solves the problems in life is the person with the vision and fortitude to see it and make it happen. 

If mom and dad pay the bills while their 19-year-old lives with them and goes to college, I still run a credit/criminal on the kid to ensure he's not a drug dealer, sex offender, or whatever.

I have NEVER had a bankruptcy in my life and do not EVER plan on having one.

Next quality of life issues sticking doors, cabinets locking doors, paint, finishes. 

This is the cycle of life in commercial real estate, hopefully you're not the one standing when the music stops. 

It's not because I dislike it, I just need a life change.

When I sign for a mortgage I get a % such as 3%, but I also get a % over the life of the loan, something like 40%.

Investors often focus on returns but more important is where the investor is in their investing and also age in years life cycle.