We have a typical comprehensive health care insurance plan, through my employer that covers both of us.

Someone with the avoidance issues you describe probably has some mental health issues.

I currently have a comfortable job making about $60K a year and have decent health insurance, but it is not related to real estate in any way.

I come from a mental health background and my knowledge of real-estate investing is limited to owning my own home.  

He can do anything for you on flood/auto/home/rentals/life/health, he is who I go through with all of my stuff so I can personally vouch for him. 

I worked with a property management company for a while they leased plenty of properties for capital companies, the standard was:-$250. to $300 extra on the security deposit per pet, -total of 3 pets, no more-no large fish tanks -no large breed dogs or vicious/dangerous breeds (double check this)-size of the unit definitely matters-always ask for shot record/vet paper-but, if they don't have them don't make a big deal about it-always do a pet addendum, if there is damage to the property or health/safety for the community-this will violate the lease agreement.

So if you need to make $5K a month to meet your and your family's needs for housing, food, activities, health insurance - that's your freedom number.

I love to work on property, but what happens if for health reasons I am laid up and can no longer continue at this pace.

I also worry that the property might have a need for some type of health or safety remediation.

She said she did not realize that the dogs that she was walking helped her with her mental health, anxiety issues, until she was forced to stop her dog walking business.