I often break it down into the "five pillars" of protecting your assets.The first pillar is avoiding unnecessary and risky activities (don't drink and drive, insurance generally won’t cover your poor decisions) and take good care of your investments - these simple steps will help you prevent lawsuits before they even occur.The second pillar is a good insurance policy as that cover the majority of your exposure.

I completely don't care any more.

So if a property doubles in value you property tax will only go up by the capped maximum (I think 3% but it may be 2% - I used to know but do not really care about the 1% difference now).So at your income you will be challenged to find a place that you can afford with a safe reserve. 

I often break it down into the "five pillars" of protecting your assets.The first pillar is avoiding unnecessary and risky activities (don't drink and drive, insurance generally won’t cover your poor decisions) and take good care of your investments - these simple steps will help you prevent lawsuits before they even occur.The second pillar is a good insurance policy as that cover the majority of your exposure.

They have a PM that takes care of everything except repairs. 

I wouldn't say it's too risky to start, but you will want to be more careful.

Most people don't care. 

But I also know that most consumers out there don't care if there is 1" closed cell spray foam on their walls and that we used fiberglass composite windows vs vinyl windows and the list could go on, but these are things that I care about.

She will still be living there but doesn’t care what we do.

Is there a strategy to still have lower down payment and not live in it.Do the banks really care that you live in it?